Limestone Bancorp (LMST) 8-K 2009 East Coast Financial Services Conference

1

NASDAQ: PBIB

3rd Quarter 2009

Exhibit 99.2

2

Disclaimer

Disclaimer

This presentation contains forward-looking statements that

involve risks and uncertainties. These forward-looking

statements are based on management’s current expectations. 

Porter Bancorp’s actual results in future periods may differ

materially from those currently expected due to various factors,

including those risk factors described in documents that the

Company files with the Securities and Exchange Commission,

including the Company’s most recent Annual Report on Form

10-K and Quarterly Report on Form 10-Q. The forward-looking

statements in this presentation are made as of the date of the

presentation and Porter Bancorp does not assume any

responsibility to update these statements.

3

Discussion Topics

Discussion Topics

Market Overview and Franchise History

Financial Highlights

Summary of 2009 and Full Year 2008 Performance

Loan Composition and Credit Quality

Deposits

Capital Strength

Investment Considerations Going Forward

2009 Key Strategic Initiatives

2009 Growth Strategy

Operating Strengths

4

Note: Financial data as of September 30, 2009

Company Overview

Company Overview

Louisville, Kentucky headquarters

6

th

largest bank domiciled in

Kentucky

18 offices

$1.7 billion in assets

$1.4 billion in loans

$1.4 billion in deposits

Focus on high growth markets

within our footprint

Efficient operating model

Strong capital base

5

Market Overview

Market Overview

•

Louisville and Bullitt County

–

Largest

city

in

Kentucky

and

16

th

largest

city

in U.S.

–

Above average growth rates for economy and

jobs

–

Large employers include UPS, GE, Humana,

YUM! Brands, Ford

–

UPS hub continues to attract distribution

companies –

Best Buy (“Geek Squad”),

Gordon Foods, Johnson & Johnson, Zappos

–

Home of University of Louisville

•

Owensboro/Daviess County

–

3

rd

largest

city

in

Kentucky

–

Industrial, medical, retail and cultural hub for

Western Kentucky

–

Large employers include Owensboro Medical

Health System, Texas Gas, and Toyotetsu

–

Home of two four-year liberal arts colleges

(Brescia University and Kentucky Wesleyan

College)

•

Lexington/Fayette County

–

2

nd

largest

city

in

Kentucky

–

attractive

growth

market

–

Financial, educational, retail, healthcare and

cultural hub for Central and Eastern Kentucky

–

“Horse Capital of the World”

–

host to the

World Equestrian Games in 2010

–

Large employers include Toyota, Lexmark,

IBM Global Services and Valvoline

–

Home of University of Kentucky

•

Southern/Central Kentucky

–

Includes Bowling Green (Warren County), the

4

th

largest

city

in

Kentucky,

and

Barren,

Ohio,

Hart, Edmonson, Butler & Green counties

–

Attractive community and growth markets –

stable source of deposits and loans

–

PBIB’s

main back-office operations hub

–

Major employers include GM (Corvette), RR

Donnelley and FedEx

–

Agricultural and service based economy

–

Home of Western Kentucky University

6

Franchise History

Franchise History

1988

Porter Bancorp organized with merger of 3 banks

1988 –

1999

Porter Bancorp acquires 3 banks

1999

Ascencia

Bank established

1999 –

2005 

Porter Bancorp acquires 2 banks

2005

Porter Bancorp consolidates all subsidiary banks            

under PBI

Bank name on December 31, 2005

2006

Porter Bancorp IPO completed on September 22, 2006

2007

Porter Bancorp acquires Kentucky Trust Bank with 6

offices in Southern Kentucky on October 1, 2007

2008

Porter Bancorp acquires Paramount Bank in

Lexington, KY on February 1, 2008

7

Financial Highlights

8

2008 Operating Performance

2008 Operating Performance

Net Income of $14.0 million

Above peer financial performance

Growth exceeded expectations

Loans –

10.9%

Deposits –

10.5%

Assets –

13.2%

Manageable credit quality

1.78% NPA to assets

1.58% NPL to loans

Core customer non-interest bearing deposit account growth to $111.8 million

Note: (1) For the Year Ended 12/31/08 Peer Median Core Financial Performance per SNL

62.51%

50.74%

Efficiency

3.73%

3.20%

NIM

9.29%

10.64%

ROAE

.79%

.89%

ROAA

Peer (1)

PBIB

9

Q3 2009 Operating Performance

Q3 2009 Operating Performance

Solid Financial Performance

Strong EPS growth momentum

Q1 08

Q2 08

Q3 08

Q4 08

Q1 09

Q2 09

Q3 09

ROAA

0.96%

1.02%

1.03%

0.57%

0.73%

0.75%

1.07%

ROAE

11.66%

12.66%

12.73%

6.27%

7.49%

7.79%

10.68%

NIM

3.21%

3.29%

3.33%

2.96%

3.02%

3.13%

3.59%

Efficiency

54.47%

50.70%

47.47%

50.64%

54.09%

55.94%

47.14%

EPS

$0.41

$0.47

$0.47

$0.25

$0.30

$0.31

$0.46

10

2009 Operating Performance -

YTD

2009 Operating Performance -

YTD

Net Income of $9.4 million for the nine months ended September 30, 2009

Above peer financial performance

Q2 includes one time FDIC Special Assessment of $781,000

Manageable credit quality

2.27% NPA to assets

1.89% NPL to loans

Note: (1) YTD Peer Median Core Financial Performance thru 6/30/09 per Highline Financial

69.17%

52.18%

Efficiency

3.61%

3.25%

NIM

5.41%

8.67%

ROAE

.51%

.85%

ROAA

Peer (1)

PBIB

11

Solid Growth

Q3 09

2006

2007

2008

(annualized)

Assets

6.0%

38.5%

13.2%

6.5%

Loans

7.9%

42.5%

10.9%

3.6%

Deposits

6.9%

35.3%

10.5%

9.3%

12

Asset Growth

Asset Growth

($ in millions)

2004

2005

2006

2007

2008

Q3 09

$1,729

$1,648

$1,456

$1,051

$991

$887

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

$1,800

13

Loan Growth

Loan Growth

($ in millions)

2004

2005

2006

2007

2008

Q3 09

$1,387

$1,350

$1,218

$854

$792

$734

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

14

Deposit Growth

Deposit Growth

($ in millions)

$1,099

$280

$1,013

$276

$847

$320

$657

$205

$619

$187

$540

$178

$0

$200

$400

$600

$800

$1,000

$1,200

$1,400

2004

2005

2006

2007

2008

Q3 09

Non-CD

CD

15

Strong Net Income

Strong Net Income

$6,750

$9,012

$11,379

$14,339

$14,229

$14,010

$9,398

2003

2004

2005

2006

2007

2008

YTD Q3 09

($ in millions)

Note: Adjusted for consolidation through add-back of minority interests, deduction of applicable income taxes and deduction of acquisition funding (net of tax) for the periods 2003 – 2005. 

16

Solid Net Interest Margin

Solid Net Interest Margin

3.71%

3.84%

4.06%

3.97%

3.67%

3.21%

3.29%

3.33%

2.96%

3.02%

3.13%

3.59%

2003

2004

2005

2006

2007

Q1

08

Q2

08

Q3

08

Q4

08

Q1

09

Q2

09

Q3

09

17

55.0%

51.0%

48.0%

47.0%

47.0%

51.0%

52.0%

2003

2004

2005

2006

2007

2008

YTD Q3

09

Operational Efficiency

Operational Efficiency

18

Primary focus on residential

and commercial real estate

Granular portfolio

Loyal and experienced

producers

Team approach to

customers

Locally empowered lenders

Loan Portfolio

–

Q3 09

Total Loans: $1.4 B

Loan Stratification

Loan Stratification

Highlights

   Residential Real

Estate

26.5%

   Construction Real

Estate

23.3%

   Commercial Real

Estate

31.6%

Other

0.1%

   Farmland

5.9%

   Home Equity

2.3%

C & I

6.4%

Consumer

2.7%

Agricultural

1.3%

19

Historical Loan Portfolio Statistics

Historical Loan Portfolio Statistics

Note: (1) For the Quarter Ended 6/30/09 Peer Median Core Financial Performance per Highline Financial

Loan Statistics

Peer

Q1 08

Q2 08

Q3 08

Q4 08

Q2 09 (1)

Q1 09

Q2 09

Q3 09

NPA/Assets

1.10%

1.24%

1.44%

1.78%

2.72%

2.04%

1.69%

2.27%

NPL/Loans

0.77%

0.96%

1.15%

1.58%

2.60%

1.81%

1.42%

1.89%

NCO/Avg Loan

0.02%

0.05%

0.06%

0.13%

0.70%

0.06%

0.09%

0.06%

Loan Loss Reserve

1.37%

1.35%

1.39%

1.46%

1.39%

1.49%

1.52%

1.58%

20

Deposit

Mix

–

Q3

09

Total Deposits: $1.4 B

Average Cost of Funds: 2.67%

Effective core deposit growth

initiatives

High CD retention rates

Focus on core deposit  

development

Online banking division a

ready source of alternative

funding without high cost of

new branches

Deposit Stratification

Deposit Stratification

Highlights

CD's less than

$100k

43%

CD's $100k or

greater

37%

NOW and Money

Market

11%

Savings

2%

Non-Interest

Bearing DDA

7%

21

Capital Strength

Capital Strength

Regulatory Requirements

September 30, 2009

Well

Actual

Capitalized

Minimum

Tangible Common Equity

6.31%

N/A

N/A

Tangible Equity

8.36%

N/A

N/A

Leverage

10.13%

5.0%

4.0%

Tier 1 Risk Based

11.90%

6.0%

4.0%

Total Risk Based

13.80%

10.0%

8.0%

Excess Over Regulatory Thresholds

Capital

Well

($ in millions)

Capitalized

Minimum

Leverage

167

$                           

85

$                         

101

$                      

Tier 1 Risk Based

167

$                           

83

$                         

111

$                      

Total Risk Based

194

$                           

53

$                         

81

$                        

22

Investment Highlights

23

2009 Key Strategic Initiatives

2009 Key Strategic Initiatives

Client-driven service that consistently provides better

value

Rational risk taking and exceptional risk management

Maintain strict focus on credit quality in this challenging

environment

Earnings growth

Consistent, superior operational efficiency

Targeted and disciplined investments for the future

24

2009 Growth Strategy

2009 Growth Strategy

Increase

market

share

of

existing

franchise

–

managed

growth

Expand core deposit development initiatives and non-

interest income improvement strategies

Continue long-term strategy of considering M&A

opportunities that arise

Remain disciplined and focused

Accretive to earnings in first full year

Markets with high growth potential

Strong management team compatible with our culture

25

Addendum

26

Experienced Management Team

Experienced Management Team

Headquarters:

2500 Eastpoint

Parkway

Louisville, KY 40223

(502) 499-4800

Industry

Porter

Name

Position

Experience

Experience

J. Chester Porter

Chairman of the Board, General Counsel and Director

27

23

  of Porter Bancorp and PBI Bank

Maria L. Bouvette

President, CEO and Director of Porter Bancorp and PBI Bank

27

23

David B. Pierce

CFO of Porter Bancorp, Chief Strategic Officer and Director

23

20

  of PBI Bank

C. Bradford Harris

Corporate General Counsel and EVP

12

3

Phil Barnhouse

CFO of PBI Bank

11

11

Jim Grubbs

Sr. VP Commercial Lending

29

5

Fred Catlett

Executive Vice President

32

13

Avery Matney

Regional President

28

13

Todd Young

Chief Operations Officer

25

15

Charles Darst

Chief Development Officer

23

13

Eric Satterly

Chief Technology Officer

11

10

Average Years of Experience

23

14

27

Peer Metrics

Peer Metrics

Porter Bancorp, Inc. Comparable Group

Financial Information for the Quarter Ended June 30, 2009

($ in thousands)

Total

Tg. Eq./

Total Cap

Core

Core

Efficiency

NPLs/

Reserves/

NPAs/

Reserves/

NCOs/

Assets

Tg. Assets

Ratio

ROAA

ROAE

NIM

Ratio

Loans

NPLs

Assets

Loans

Avg. Loans

Company Name

Ticker

City

State

($MM)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

Republic Bancorp, Inc

RBCAA

Louisville

KY

3,104

9.68

17.74

0.85

8.81

3.69

65.20

1.37

63.3

1.10

0.87

-0.06

Integra Bank Corp

IBNK

Evansville

IN

3,346

6.42

10.42

-5.52

-79.95

2.34

106.25

7.76

45.1

6.33

3.50

4.78

Community Trust Bancorp, Inc

CTBI

Pikeville

KY

3,036

8.27

14.17

0.78

7.50

3.63

64.83

2.50

52.7

2.63

1.32

0.63

Farmers Capital Bank Corp

FFKT

Frankfort

KY

2,296

6.09

14.65

-0.14

-1.62

2.85

81.12

3.37

48.1

2.80

1.62

0.73

S Y Bancorp, Inc

SYBT

Louisville

KY

1,747

8.52

13.52

1.01

11.50

3.66

62.69

0.63

193.6

0.60

1.22

0.38

Bank of Kentucky Financial Corp

BKYF

Crestview Hills

KY

1,334

9.20

13.35

0.62

6.02

3.61

63.06

1.40

80.5

1.19

1.12

0.66

First Financial Service Corp

FFKY

Elizabethtown

KY

1,102

7.31

11.50

0.26

3.06

3.70

72.85

2.69

54.3

3.14

1.46

1.14

Community Bank Shares of Indiana, Inc

CBIN

New Albany

IN

817

6.63

12.70

-11.66

-142.90

2.89

96.93

4.09

77.7

3.50

3.18

3.18

Average

2,098

7.77

13.51

-1.73

-23.45

3.30

76.62

2.98

76.92

2.66

1.79

1.43

Median

2,021

7.79

13.44

0.44

4.54

3.62

69.03

2.60

58.79

2.72

1.39

0.70

Note: Data per Highline Financial

28

Peer Metrics

Peer Metrics

Note: Data per Highline Financial

Porter Bancorp, Inc. Comparable Group

Financial Information Year to Date thru June 30, 2009

($ in thousands)

Total

Tg. Eq./

Total Cap

Core

Core

Efficiency

NPLs/

Reserves/

NPAs/

Reserves/

NCOs/

Assets

Tg. Assets

Ratio

ROAA

ROAE

NIM

Ratio

Loans

NPLs

Assets

Loans

Avg. Loans

Company Name

Ticker

City

State

($MM)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

(%)

Republic Bancorp, Inc

RBCAA

Louisville

KY

3,104

9.43

17.74

1.77

21.56

6.21

45.24

1.37

63.3

1.10

0.87

1.81

Integra Bank Corp

IBNK

Evansville

IN

3,346

6.42

10.42

-4.36

-64.36

2.37

104.04

7.76

45.1

6.33

3.50

3.79

Community Trust Bancorp, Inc

CTBI

Pikeville

KY

3,036

8.27

14.17

0.83

7.94

3.62

66.65

2.50

52.7

2.63

1.32

0.50

Farmers Capital Bank Corp

FFKT

Frankfort

KY

2,296

6.09

14.65

0.22

2.55

2.94

77.93

3.37

48.1

2.80

1.62

0.47

S Y Bancorp, Inc

SYBT

Louisville

KY

1,747

8.52

13.52

1.09

12.23

3.73

61.09

0.63

193.6

0.60

1.22

0.31

Bank of Kentucky Financial Corp

BKYF

Crestview Hills

KY

1,334

9.20

13.35

0.74

7.62

3.60

62.96

1.40

80.5

1.19

1.12

0.47

First Financial Service Corp

FFKY

Elizabethtown

KY

1,102

7.31

11.50

0.28

3.19

3.71

71.68

2.69

54.3

3.14

1.46

0.69

Community Bank Shares of Indiana, Inc

CBIN

New Albany

IN

817

6.63

12.70

-5.67

-72.96

2.99

91.73

4.09

77.7

3.50

3.18

2.12

Average

2,098

7.73

13.51

-0.64

-10.28

3.65

72.67

2.98

76.92

2.66

1.79

1.27

Median

2,021

7.79

13.44

0.51

5.41

3.61

69.17

2.60

58.79

2.72

1.39

0.60

29

Peer Metrics

Peer Metrics

Note: Data per SNL

Porter Bancorp, Inc. Comparable Group

Financial Information as of the year ended 12/31/08

($ in thousands)

Total

Core

Core

Net Interest

Efficiency

NPLs/

Reserves/

Reserves/

NCOs/

NPAs/

Company Name

Ticker

City

State

Assets

ROAA

ROAE

Margin

Ratio

Loans

NPLs

Loans

Avg Loans

Assets

Republic Bancorp, Inc

RBCAA

Louisville

KY

$3,939,368

1.33%

16.07%

4.20%

56.46%

0.49%

130.98%

0.64%

0.60%

0.43%

Integra Bank Corp

IBNK

Evansville

IN

3,357,100

-3.08%

-33.15%

3.18%

69.72%

6.01%

42.96%

2.58%

1.19%

5.05%

Community Trust Bancorp, Inc

CTBI

Pikeville

KY

2,954,531

1.11%

10.49%

3.88%

57.96%

1.74%

75.27%

1.31%

0.38%

1.74%

Farmers Capital Bank Corp

FFKT

Frankfort

KY

2,202,167

0.64%

8.08%

3.25%

66.70%

1.64%

78.11%

1.28%

0.21%

1.64%

S Y Bancorp, Inc

SYBT

Louisville

KY

1,628,763

1.41%

16.22%

3.93%

56.64%

0.33%

345.25%

1.14%

0.16%

0.38%

Bank of Kentucky Financial Corp

BKYF

Crestview Hills

KY

1,255,382

0.94%

11.87%

3.68%

58.31%

0.85%

112.79%

0.96%

0.35%

0.76%

First Financial Service Corp

FFKY

Elizabethtown

KY

1,017,047

0.54%

6.77%

3.78%

67.05%

1.84%

80.89%

1.49%

0.08%

2.24%

Community Bank Shares of Indiana, Inc

CBIN

New Albany

IN

877,363

0.07%

0.92%

3.09%

74.93%

3.27%

45.78%

1.50%

0.58%

2.49%

High

$3,939,368

1.41%

16.22%

4.20%

74.93%

6.01%

345.25%

2.58%

1.19%

5.05%

Low

877,363

-3.08%

-33.15%

3.09%

56.46%

0.33%

42.96%

0.64%

0.08%

0.38%

Average

2,153,965

0.37%

4.66%

3.62%

63.47%

2.02%

114.00%

1.36%

0.44%

1.84%

Median

1,915,465

0.79%

9.29%

3.73%

62.51%

1.69%

79.50%

1.30%

0.37%

1.69%

30

Loan Mix

Loan Mix

(in thousands)

Porter Bancorp, Inc.

(per call report)

September 30, 2009

June 30, 2009

March 31, 2009

December 31, 2008

September 30, 2008

Loan Portfolio Composition

Real Estate:

   Commercial Real Estate

439,089

31.6%

411,158

30.2%

407,910

29.8%

377,130

27.9%

372,468

27.7%

   Construction Real Estate

322,577

23.3%

332,608

24.4%

358,692

26.2%

371,300

27.5%

368,424

27.4%

   Residential Real Estate

367,027

26.5%

359,243

26.4%

348,611

25.5%

342,835

25.4%

341,081

25.4%

   Farmland

81,353

5.9%

80,002

5.9%

76,411

5.6%

77,504

5.7%

77,218

5.8%

   Home Equity

31,697

2.3%

32,275

2.4%

32,739

2.4%

33,249

2.5%

32,833

2.4%

C & I

89,252

6.4%

90,899

6.7%

90,269

6.6%

90,978

6.7%

91,316

6.8%

Consumer

37,087

2.7%

36,903

2.7%

36,392

2.7%

37,784

2.8%

39,317

2.9%

Agricultural

18,354

1.3%

16,100

1.2%

15,144

1.1%

16,181

1.2%

16,581

1.2%

Other

923

0.1%

2,871

0.2%

2,919

0.2%

3,145

0.2%

3,229

0.2%

Total

1,387,359

100.0%

1,362,059

100.0%

1,369,087

100.0%

1,350,106

100.0%

1,342,467

100.0%

31

Construction and Commercial Real Estate Loan Mix

Construction and Commercial Real Estate Loan Mix

(in thousands)

PBI Bank, Inc.

Detail of Construction and Commercial Real Estate Loans

As of September 30, 2009

Construction

Commercial

Real

Estate

-

Non-Owner

Occupied

Commercial

Real

Estate

-

Owner

Occupied

Office Building/Condo

6,513,123

$                              

2.0%

68,034,005

$                                           

20.6%

18,364,741

$                                     

17.0%

Retail Facility

35,346,158

$                            

11.0%

141,974,499

$                                         

42.9%

21,627,357

$                                     

20.0%

Hotel/Motel/Lodging

6,803,267

$                              

2.1%

24,736,223

$                                           

7.5%

9,433,502

$                                       

8.7%

C-Store/Fuel Station

1,262,592

$                              

0.4%

9,559,777

$                                             

2.9%

11,363,501

$                                     

10.5%

Storage/Warehouse

4,014,508

$                              

1.2%

20,460,337

$                                           

6.2%

3,238,908

$                                       

3.0%

Mobile Home Park

-

$                                        

0.0%

6,926,846

$                                             

2.1%

1,235,563

$                                       

1.1%

Industrial/Manufacturing/Other Production Facilities

-

$                                        

0.0%

12,415,512

$                                           

3.8%

26,422,678

$               ��                     

24.4%

Medical/Assisted Living/Day Care

6,376,352

$                              

2.0%

11,636,896

$                                           

3.5%

1,791,499

$                                       

1.7%

Multifamily

3,121,671

$                              

1.0%

-

$                                                        

0.0%

-

$                                                  

0.0%

Residential Land Development

45,106,970

$                            

14.0%

-

$                                                        

0.0%

-

$                                                  

0.0%

Commercial Land Development

39,833,630

$                            

12.3%

0.0%

-

$                                                  

0.0%

Residential Condo Development

84,615,287

$                            

26.2%

0.0%

-

$                                                  

0.0%

Residential

Home

Construction

-

Owner

Occupied

1,806,788

$                              

0.6%

0.0%

-

$                                                  

0.0%

Residential

Lot

-

Developed

12,749,150

$                            

4.0%

835,248

$                                                

0.3%

202,822

$                                          

0.2%

Commercial

Lot

-

Developed

4,639,863

$                              

1.4%

20,369,937

$                                           

6.2%

3,541,286

$                                       

3.3%

1-4

Family

Residential

66,546,981

$                            

20.6%

-

$                                                        

0.0%

-

$                                                  

0.0%

Farmland

-

$                                        

0.0%

-

$                                                        

0.0%

-

$                                                  

0.0%

Other

3,840,661

$                              

1.2%

8,790,330

$                                             

2.7%

3,021,076

$                                       

2.8%

Church/Parsonage

-

$                                        

0.0%

1,362,055

$                                             

0.4%

4,042,312

$                                       

3.7%

Car Wash

-

$                                        

0.0%

2,614,334

$                                             

0.8%

1,559,426

$                                       

1.4%

Marina

-

$                                        

0.0%

1,200,000

$                                             

0.4%

2,328,329

$                                       

2.2%

322,577,000

$                          

100.0%

330,916,000

$                                         

100.0%

108,173,000

$                                   

100.0%

Total

439,089,000

$                                         

32

Additional Information

This communication is not an offer to sell, or a solicitation of an offer to buy, shares of Porter

Bancorp common stock, or the solicitation of any proxies from Citizens First shareholders. The

description of the exchange offer contained in this press release is not intended to be a full or

detailed description of the terms or conditions of the exchange offer. Porter Bancorp has filed a

registration statement, including the prospectus/offer to exchange, with the Securities and

Exchange Commission (the “SEC”), regarding the exchange offer. This communication is not a

substitute for the prospectus/offer to exchange. INVESTORS AND SECURITY HOLDERS OF

PORTER BANCORP AND CITIZENS FIRST ARE URGED TO READ PROSPECTUS/OFFER TO

EXCHANGE FILED WITH THE SEC CAREFULLY IN ITS ENTIRETY BECAUSE IT CONTAINS

IMPORTANT INFORMATION ABOUT THE PROPOSED TRANSACTION. The prospectus/offer to

exchange is available for free, both on the SEC Web site (www.sec.gov) and from Porter Bancorp

by contacting C. Bradford Harris, Executive Vice President and Corporate General Counsel, Porter

Bancorp, Inc., 2500 Eastpoint Parkway, Louisville, Kentucky 40223. Telephone: (502) 499-4800. 

In addition to the registration statement and prospectus/offer to exchange, Porter Bancorp files

annual, quarterly and special reports, proxy statements and other information with the SEC. You

may read and copy any reports, statements or other information filed by Porter Bancorp at the

SEC’s public reference rooms at 450 Fifth Street, N.W., Washington, D.C. 20549 or at the SEC’s

other public reference rooms in New York and Chicago. Please call the SEC at 1 800 SEC 0330 for

more information on the public reference rooms. Porter Bancorp SEC filings also are available to

the public from commercial document retrieval services and at www.sec.gov.