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Bloomfield State Bank

Bloomfield, IN · Cert 15714

FDIC · 13 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Bloomfield State Bank

Bloomfield, IN · Cert 15714

FDIC · 13 branches

Q4 2017

$387.8MAssets
$261.8MLoans
$316.4MDeposits
$45.0MEquity
Loan mix
89%RE $183.7M9%C&I $19.1M2%Consumer $3.7MQ4 2016Q4 2017
Deposit mix
91%Interest-bearing $289.4M9%Noninterest $27.0MQ4 2016Q4 2017

NIM

4.04%Q4 ’154.06%Q4 ’164.11%Q4 ’170%+1%

Non-interest income vs. expense

3.39%Q4 ’153.49%Q4 ’163.54%Q4 ’17+2%-3%

Market Position · Bloomington, IN · 2017 SOD (annual) · 1.2% share · #12 of 15 inst. · $0.0B of $2.7B

52.8% Greene
1.3% Monroe
7.4% Lawrence
1.0% Johnson

Executive Summary

  • Earnings: ROA of 0.89%, up 17 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.47% of loans (+47 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 11.03%, up 41 bps from a year ago.
  • Funding: loans stand at 82.74% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.89%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+2 bps YoY

Efficiency Ratio (YTD, annualized)

76.82%-167 bps YoY

Tier 1 Leverage Ratio

11.03%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.72%0.70%0.88%1.00%0.89%+17 bps
Return on Equity6.02%6.23%7.83%8.78%7.78%+175 bps
Net Interest Margin3.76%3.75%3.71%3.68%3.79%+2 bps
Efficiency Ratio78.49%79.74%77.47%74.38%76.82%-167 bps
Non-Interest Burden2.77%2.83%2.68%2.49%2.69%-8 bps
Growth
Asset Growth (YoY)-1.60%1.95%-1.48%3.00%0.69%+229 bps
Loan Growth (YoY)2.01%2.00%1.88%5.75%-0.46%-247 bps
Deposit Growth (YoY)-0.98%3.36%1.19%4.75%1.27%+225 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.65%0.55%0.68%0.47%+47 bps
Net Charge-Offs / Loans0.30%0.45%0.21%0.12%0.14%-15 bps
Allowance / Loans1.41%1.28%1.26%1.27%1.27%-14 bps
Allowance Coverage of NPLsn/a2.0x2.3x1.9x2.7xn/a
Capital
Tier 1 Leverage Ratio10.62%10.77%10.91%11.11%11.03%+41 bps
Total Risk-Based Capital15.53%15.52%15.75%16.16%16.25%+72 bps
Equity / Assets11.13%11.18%11.55%11.82%11.61%+48 bps
Liquidity & Funding
Loans / Deposits84.18%83.46%83.22%84.17%82.74%-144 bps
Liquid Assets / Assets0.76%2.31%1.59%1.55%2.12%+135 bps
CRE / Total Capitaln/an/an/an/an/an/an/a