St. Monica

Bardstown, KY · Charter 63013

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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.

Bardstown, KY · Charter 63013

Q4 1999

$23KAssets

$10KLoans

$15KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.28%-160 bps YoY

Net Interest Margin (YTD, annualized)

7.14%

n/a

Efficiency Ratio (YTD, annualized)

103.89%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	5.10%	3.86%	2.31%	1.32%	5.44%	2.16%	2.76%	-0.28%	-160 bps
Return on Equity	n/a	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	7.14%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	103.89%	n/a	n/a
Growth
Asset Growth (YoY)	9.69%	3.77%	-31.16%	-27.27%	-13.26%	-9.94%	-27.30%	-30.48%	-321 bps
Loan Growth (YoY)	-24.18%	-20.89%	20.16%	-8.70%	13.18%	32.15%	29.01%	-13.03%	-434 bps
Share Growth (YoY)	7.09%	1.49%	-37.50%	-32.17%	-16.43%	-12.20%	-35.32%	-40.11%	-795 bps
Asset Quality
Delinquent Loans / Loans	19.27%	8.10%	32.34%	21.78%	23.32%	28.44%	17.65%	25.48%	+369 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	34.20%	26.87%	27.65%	27.11%	28.29%	27.03%	19.43%	25.48%	-164 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	34.26%	33.06%	39.03%	45.89%	46.40%	49.76%	77.85%	66.64%	+2,075 bps
Liquid Assets / Assets	64.27%	67.11%	70.36%	62.68%	63.96%	64.26%	34.86%	34.62%	-2,806 bps