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Brookville National Bank

Brookville, OH · Cert 14357

FDIC · 2 branches

Q1 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: Q1 2015, the quarter ended March 31, 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

Brookville National Bank

Brookville, OH · Cert 14357

FDIC · 2 branches

Q1 2015

$111.8MAssets
$35.9MLoans
$100.7MDeposits
$10.0MEquity
Loan mix
75%RE $24.2M15%C&I $4.8M10%Consumer $3.2MQ1 2014Q1 2015
Deposit mix
86%Interest-bearing $86.6M14%Noninterest $14.1MQ1 2014Q1 2015

NIM

2.54%Q1 ’132.44%Q1 ’142.33%Q1 ’150%-2%

Non-interest income vs. expense

2.10%Q1 ’131.93%Q1 ’141.81%Q1 ’15-8%-7%

Market Position · Dayton, OH · 2014 SOD (annual) · 0.9% share · #11 of 26 inst. · $0.1B of $10.5B

Executive Summary

  • Earnings: ROA of 0.33%, up 6 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.84%.
  • Funding: loans stand at 35.62% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.33%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.11%-5 bps YoY

Efficiency Ratio (YTD, annualized)

79.05%-381 bps YoY

Tier 1 Leverage Ratio

8.84%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.28%0.27%0.30%0.30%0.33%+6 bps
Return on Equity3.24%3.21%3.48%3.41%3.74%+50 bps
Net Interest Margin2.16%2.15%2.16%2.15%2.11%-5 bps
Efficiency Ratio82.86%82.97%81.51%81.91%79.05%-381 bps
Non-Interest Burden1.76%1.75%1.73%1.73%1.63%-12 bps
Growth
Asset Growth (YoY)-0.23%2.42%1.34%0.20%2.23%+245 bps
Loan Growth (YoY)14.53%16.39%8.21%2.47%-1.68%-1,621 bps
Deposit Growth (YoY)0.69%2.31%1.08%0.13%1.96%+127 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.02%+2 bps
Allowance / Loans1.04%1.03%1.04%1.02%1.05%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a8.84%n/an/a
Total Risk-Based Capital23.96%23.87%24.20%22.94%21.21%-275 bps
Equity / Assets8.52%8.66%8.80%8.86%8.98%+46 bps
Liquidity & Funding
Loans / Deposits36.94%37.34%36.99%37.45%35.62%-132 bps
Liquid Assets / Assets9.12%8.98%8.16%7.62%9.97%+85 bps
CRE / Total Capitaln/an/an/an/an/an/an/a