PackageTrendsPeer
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National City Bank of Southern Indiana

New Albany, IN · Cert 13096

FDIC

Q2 2006

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 2006, the quarter ended June 30, 2006, 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

National City Bank of Southern Indiana

New Albany, IN · Cert 13096

FDIC

Q2 2006

$408.3MAssets
$49.0MLoans
$338.8MDeposits
$41.8MEquity
Loan mix
46%RE $13.9M52%C&I $15.6M2%Consumer $0.6MQ2 2005Q2 2006
Deposit mix
86%Interest-bearing $291.5M14%Noninterest $47.3MQ2 2005Q2 2006

NIM

2.03%Q2 ’043.56%Q2 ’054.60%Q2 ’06+132%+16%

Non-interest income vs. expense

1.85%Q2 ’042.17%Q2 ’051.79%Q2 ’06+61%-57%

Executive Summary

  • Earnings: ROA of 1.09%, up 100 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 14.46% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

1.09%+100 bps YoY

Net Interest Margin (YTD, annualized)

2.23%+31 bps YoY

Efficiency Ratio (YTD, annualized)

51.07%-2,393 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.09%0.76%0.74%0.57%1.09%+100 bps
Return on Equity1.01%7.90%7.70%5.79%10.88%+987 bps
Net Interest Margin1.92%1.87%1.82%2.18%2.23%+31 bps
Efficiency Ratio75.00%74.71%75.32%70.14%51.07%-2,393 bps
Non-Interest Burden1.19%1.13%1.11%1.21%0.51%-68 bps
Growth
Asset Growth (YoY)6.26%4.52%3.74%4.57%1.77%-449 bps
Loan Growth (YoY)-14.21%-13.81%-23.84%-23.67%-24.02%-981 bps
Deposit Growth (YoY)7.81%5.21%7.91%4.10%1.19%-663 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.04%0.94%0.80%0.04%0.16%-87 bps
Allowance / Loans4.17%1.67%1.18%1.26%1.17%-300 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 Capital28.81%31.42%32.16%33.79%34.06%+524 bps
Equity / Assets9.20%10.04%9.70%10.11%10.24%+105 bps
Liquidity & Funding
Loans / Deposits19.25%18.39%15.00%14.97%14.46%-480 bps
Liquid Assets / Assets67.93%69.92%73.26%73.87%73.04%+512 bps
CRE / Total Capitaln/an/an/an/an/an/an/a