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Dupont State Bank

Dupont, IN · Cert 14714

FDIC · 15 branches

Q4 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: Q4 2015, the quarter ended December 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

Dupont State Bank

Dupont, IN · Cert 14714

FDIC · 15 branches

Q4 2015

$517.1MAssets
$335.3MLoans
$417.2MDeposits
$53.4MEquity
Loan mix
94%RE $266.9M5%C&I $14.6M1%Consumer $3.8MQ4 2014Q4 2015
Deposit mix
85%Interest-bearing $354.2M15%Noninterest $63.0MQ4 2014Q4 2015

NIM

4.14%Q4 ’133.96%Q4 ’143.97%Q4 ’150%+1%

Non-interest income vs. expense

2.62%Q4 ’132.59%Q4 ’142.78%Q4 ’15+4%+2%

Market Position · Louisville-Jefferson County, KY-IN · 2015 SOD (annual) · 0.3% share · #28 of 41 inst. · $0.1B of $24.1B

56.3% Jefferson
3.2% Floyd
19.0% Jennings
2.2% Clark

Executive Summary

  • Earnings: ROA of 1.05%, down 2 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 9.96%.
  • Funding: loans stand at 80.37% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

1.05%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+4 bps YoY

Efficiency Ratio (YTD, annualized)

66.39%+166 bps YoY

Tier 1 Leverage Ratio

9.96%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets1.07%1.09%1.10%1.05%1.05%-2 bps
Return on Equity11.92%11.41%11.45%10.77%10.62%-130 bps
Net Interest Margin3.34%3.59%3.50%3.44%3.38%+4 bps
Efficiency Ratio64.73%65.65%64.96%66.51%66.39%+166 bps
Non-Interest Burden1.96%2.12%2.01%2.04%1.99%+3 bps
Growth
Asset Growth (YoY)5.59%5.24%6.91%1.60%1.52%-407 bps
Loan Growth (YoY)4.81%4.82%4.74%2.26%-0.31%-511 bps
Deposit Growth (YoY)3.62%0.30%3.67%-0.58%1.61%-201 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.28%0.54%0.31%0.23%0.44%+16 bps
Allowance / Loans1.19%1.10%1.09%1.12%0.84%-35 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.41%9.58%9.80%9.96%n/a
Total Risk-Based Capital14.46%14.38%15.01%15.72%15.58%+112 bps
Equity / Assets9.38%9.80%9.60%10.16%10.34%+96 bps
Liquidity & Funding
Loans / Deposits81.91%82.11%80.69%80.64%80.37%-154 bps
Liquid Assets / Assets1.03%1.59%2.82%2.53%2.42%+139 bps
CRE / Total Capitaln/an/an/an/an/an/an/a