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Community Bank

Noblesville, IN · Cert 13147

FDIC · 11 branches

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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

Community Bank

Noblesville, IN · Cert 13147

FDIC · 11 branches

Q3 2014

$260.1MAssets
$152.5MLoans
$221.1MDeposits
$38.2MEquity
Loan mix
91%RE $100.5M8%C&I $8.3M1%Consumer $1.7MQ3 2013Q3 2014
Deposit mix
72%Interest-bearing $160.1M28%Noninterest $61.0MQ3 2013Q3 2014

NIM

3.68%Q3 ’123.08%Q3 ’133.53%Q3 ’14-15%+18%

Non-interest income vs. expense

2.68%Q3 ’122.63%Q3 ’132.79%Q3 ’14-5%-1%

Market Position · Indianapolis-Carmel-Anderson, IN · 2014 SOD (annual) · 0.6% share · #20 of 50 inst. · $0.2B of $38.8B

4.2% Hamilton
3.5% Madison

Executive Summary

  • Earnings: ROA of 1.30%, up 43 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.35%.
  • Funding: loans stand at 68.95% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

1.30%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+50 bps YoY

Efficiency Ratio (YTD, annualized)

68.04%-870 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.87%1.00%1.21%1.57%1.30%+43 bps
Return on Equity6.81%7.77%9.21%11.73%9.45%+264 bps
Net Interest Margin2.83%2.87%2.85%3.36%3.34%+50 bps
Efficiency Ratio76.74%73.53%67.45%61.65%68.04%-870 bps
Non-Interest Burden2.04%1.92%1.70%1.76%2.02%-1 bps
Growth
Asset Growth (YoY)0.70%-4.14%-2.60%1.35%0.17%-53 bps
Loan Growth (YoY)-10.50%-1.98%6.20%8.23%7.33%+1,783 bps
Deposit Growth (YoY)1.04%-4.71%-3.24%-0.09%-1.46%-250 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%0.49%-0.50%-0.53%-0.35%-67 bps
Allowance / Loans2.34%1.98%2.15%2.19%2.19%-15 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 Capital23.49%22.83%22.74%22.95%23.19%-30 bps
Equity / Assets13.30%13.08%13.12%14.01%14.70%+140 bps
Liquidity & Funding
Loans / Deposits63.31%63.75%61.43%66.22%68.95%+564 bps
Liquid Assets / Assets4.75%4.27%6.50%2.44%1.32%-344 bps
CRE / Total Capitaln/an/an/an/an/an/an/a