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South Central Bank of Bowling Green, Inc.

Franklin, KY · Cert 27485

FDIC · 7 branches

Q4 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: Q4 2014, the quarter ended December 31, 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

South Central Bank of Bowling Green, Inc.

Franklin, KY · Cert 27485

FDIC · 7 branches

Q4 2014

$227.3MAssets
$130.8MLoans
$187.5MDeposits
$28.4MEquity
Loan mix
92%RE $99.7M3%C&I $3.7M5%Consumer $5.1MQ4 2013Q4 2014
Deposit mix
79%Interest-bearing $148.2M21%Noninterest $39.3MQ4 2013Q4 2014

NIM

4.07%Q4 ’123.68%Q4 ’133.62%Q4 ’14-6%+1%

Non-interest income vs. expense

3.77%Q4 ’123.66%Q4 ’133.65%Q4 ’14-10%+1%

Market Position · Bowling Green, KY · 2014 SOD (annual) · 6.3% share · #7 of 21 inst. · $0.2B of $2.4B

8.0% Warren
5.1% Simpson

Executive Summary

  • Earnings: ROA of 0.75%, up 6 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 69.74% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.75%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+2 bps YoY

Efficiency Ratio (YTD, annualized)

77.37%-24 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.69%0.69%0.72%0.71%0.75%+6 bps
Return on Equity5.56%5.50%5.68%5.50%5.81%+25 bps
Net Interest Margin3.20%3.27%3.11%3.15%3.23%+2 bps
Efficiency Ratio77.62%78.59%77.83%78.27%77.37%-24 bps
Non-Interest Burden2.15%2.28%2.09%2.14%2.16%+1 bps
Growth
Asset Growth (YoY)-1.40%-0.72%-1.16%-0.81%2.29%+369 bps
Loan Growth (YoY)-11.74%-8.71%-8.81%1.56%0.05%+1,179 bps
Deposit Growth (YoY)-0.85%-3.24%-3.52%-3.40%2.33%+318 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%0.24%0.14%0.09%0.07%-22 bps
Allowance / Loans2.10%2.09%2.12%2.00%2.03%-7 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 Capital22.16%22.86%23.23%22.51%21.92%-24 bps
Equity / Assets12.26%12.77%13.06%13.60%12.50%+24 bps
Liquidity & Funding
Loans / Deposits71.33%70.81%69.15%75.37%69.74%-159 bps
Liquid Assets / Assets12.34%12.09%10.55%4.30%10.44%-190 bps
CRE / Total Capitaln/an/an/an/an/an/an/a