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Bullitt County Bank

Shepherdsville, KY · Cert 9674

FDIC

Q4 2005

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 2005, the quarter ended December 31, 2005, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bullitt County Bank

Shepherdsville, KY · Cert 9674

FDIC

Q4 2005

$170.5MAssets
$154.6MLoans
$135.5MDeposits
$15.7MEquity
Loan mix
88%RE $44.0M12%C&I $5.8M0%Consumer $0.1MQ4 2004Q4 2005
Deposit mix
86%Interest-bearing $116.8M14%Noninterest $18.7MQ4 2004Q4 2005

NIM

6.65%Q4 ’036.56%Q4 ’046.72%Q4 ’05+7%+4%

Non-interest income vs. expense

2.29%Q4 ’032.20%Q4 ’041.92%Q4 ’05-5%-14%

Executive Summary

  • Earnings: ROA of 1.76%, up 16 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.61%.
  • Funding: loans stand at 114.12% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.76%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+19 bps YoY

Efficiency Ratio (YTD, annualized)

37.42%-650 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.61%1.57%1.75%1.81%1.76%+16 bps
Return on Equity17.70%17.10%19.13%19.88%19.34%+164 bps
Net Interest Margin4.41%4.59%4.45%4.52%4.59%+19 bps
Efficiency Ratio43.92%41.11%40.22%39.00%37.42%-650 bps
Non-Interest Burden1.60%1.56%1.45%1.41%1.37%-23 bps
Growth
Asset Growth (YoY)1.19%2.71%7.79%10.13%10.68%+950 bps
Loan Growth (YoY)0.12%6.12%9.29%18.04%13.45%+1,333 bps
Deposit Growth (YoY)-2.91%2.90%8.90%7.26%7.66%+1,058 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.13%0.17%0.27%0.61%+40 bps
Allowance / Loans1.25%1.33%1.34%1.24%1.27%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.04%11.63%11.79%11.21%11.98%-6 bps
Equity / Assets9.50%8.91%9.04%8.95%9.22%-28 bps
Liquidity & Funding
Loans / Deposits108.29%104.07%104.17%112.23%114.12%+582 bps
Liquid Assets / Assets0.24%0.57%0.39%0.80%0.89%+64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a