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Scott County State Bank, The

Scottsburg, IN · Cert 10485

FDIC · 4 branches

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Scott County State Bank, The

Scottsburg, IN · Cert 10485

FDIC · 4 branches

Q2 2015

$148.2MAssets
$87.7MLoans
$130.0MDeposits
$14.3MEquity
Loan mix
76%RE $48.7M18%C&I $11.7M5%Consumer $3.3MQ2 2014Q2 2015
Deposit mix
73%Interest-bearing $94.8M27%Noninterest $35.2MQ2 2014Q2 2015

NIM

4.22%Q2 ’133.94%Q2 ’143.71%Q2 ’15-5%-6%

Non-interest income vs. expense

3.33%Q2 ’133.31%Q2 ’143.01%Q2 ’15-5%-9%

Market Position · Louisville-Jefferson County, KY-IN · 2015 SOD (annual) · 0.5% share · #22 of 41 inst. · $0.1B of $24.1B

Executive Summary

  • Earnings: ROA of 1.00%, up 8 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 10.21%.
  • Funding: loans stand at 67.44% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

1.00%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-22 bps YoY

Efficiency Ratio (YTD, annualized)

65.06%-349 bps YoY

Tier 1 Leverage Ratio

10.21%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.91%0.83%0.88%0.87%1.00%+8 bps
Return on Equity7.89%7.38%8.03%8.42%9.85%+196 bps
Net Interest Margin3.81%3.90%3.87%3.67%3.60%-22 bps
Efficiency Ratio68.55%69.41%67.26%72.82%65.06%-349 bps
Non-Interest Burden2.50%2.59%2.47%2.80%2.29%-22 bps
Growth
Asset Growth (YoY)4.09%1.54%0.62%-0.70%3.03%-106 bps
Loan Growth (YoY)-2.06%1.04%1.47%1.54%10.83%+1,289 bps
Deposit Growth (YoY)2.97%2.20%4.39%2.03%6.08%+311 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.36%0.27%0.48%0.29%-2 bps
Allowance / Loans0.96%1.01%1.12%0.96%0.93%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a10.27%10.21%n/a
Total Risk-Based Capital20.26%16.89%17.34%17.80%16.68%-358 bps
Equity / Assets11.54%9.94%10.19%10.54%9.63%-191 bps
Liquidity & Funding
Loans / Deposits64.55%68.67%66.18%66.08%67.44%+289 bps
Liquid Assets / Assets0.59%0.84%0.73%0.72%0.66%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a