Taylor Manufacturing Employees

Campbellsville, KY · Charter 62925

Q2 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Campbellsville, KY · Charter 62925

Q2 1997

$757KAssets

$355KLoans

$648KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.67%-412 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	8.98%	7.29%	6.79%	6.85%	6.49%	6.57%	2.67%	-412 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-14.21%	-27.89%	-37.94%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	4.33%	-33.78%	-56.93%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-15.78%	-35.70%	-40.27%	n/a
Asset Quality
Delinquent Loans / Loans	0.82%	1.26%	1.56%	1.31%	2.33%	2.25%	8.85%	+729 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.73%	2.18%	2.22%	1.99%	2.29%	3.88%	3.73%	+152 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	79.88%	82.97%	75.89%	76.04%	98.95%	85.45%	54.72%	-2,117 bps
Liquid Assets / Assets	0.00%	11.65%	23.10%	19.92%	12.35%	0.44%	0.54%	-2,257 bps