1st National Community Bank

East Liverpool, OH · Cert 26977

FDIC · 5 branches

Q3 2015

$135.6MAssets

$67.3MLoans

$119.7MDeposits

$13.6MEquity

Loan mix

Deposit mix

NIM

Market Position · Pittsburgh, PA · 2015 SOD (annual) · 0.0% share · #50 of 54 inst. · $0.0B of $115.3B

7.8% Columbiana

0.6% Beaver

Earnings: ROA of 0.73%, down 3 bps year over year; NIM at 3.22%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.

Return on Assets (quarter, annualized)

0.73%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.22%0 bps YoY

Efficiency Ratio (quarter, annualized)

78.69%-389 bps YoY

Tier 1 Leverage Ratio

9.56%

Discrete quarter, annualized.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	0.76%	0.67%	0.64%	0.68%	0.73%	-3 bps
Return on Equity	7.91%	6.95%	6.55%	7.15%	7.54%	-37 bps
Net Interest Margin	3.22%	3.26%	3.22%	3.08%	3.22%	0 bps
Efficiency Ratio	82.57%	86.06%	83.12%	79.99%	78.69%	-389 bps
Non-Interest Burden	2.50%	2.62%	2.50%	2.25%	2.32%	-17 bps
Growth
Asset Growth (YoY)	-4.09%	5.08%	3.13%	8.88%	1.06%	+515 bps
Loan Growth (YoY)	-0.58%	-0.55%	4.33%	-1.10%	2.13%	+271 bps
Deposit Growth (YoY)	10.30%	5.67%	2.38%	9.61%	0.79%	-951 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.04%	0.18%	0.02%	0.24%	0.08%	+4 bps
Allowance / Loans	1.32%	1.23%	1.23%	1.22%	1.21%	-12 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	9.56%	9.26%	9.56%	n/a
Total Risk-Based Capital	17.80%	18.09%	17.92%	18.27%	18.35%	+55 bps
Equity / Assets	9.42%	9.91%	9.59%	9.50%	10.00%	+58 bps
Liquidity & Funding
Loans / Deposits	55.46%	58.58%	54.45%	53.88%	56.19%	+74 bps
Liquid Assets / Assets	2.69%	3.98%	2.85%	2.85%	2.92%	+23 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a