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

Deposit mix

NIM

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

Earnings: ROA of 0.86%, up 6 bps year over year; NIM at 3.47%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 69.74% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

0.86%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+44 bps YoY

Efficiency Ratio (quarter, annualized)

74.85%-39 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.81%	0.69%	0.76%	0.68%	0.86%	+6 bps
Return on Equity	6.53%	5.50%	5.86%	5.12%	6.64%	+10 bps
Net Interest Margin	3.03%	3.27%	3.01%	3.14%	3.47%	+44 bps
Efficiency Ratio	75.24%	78.59%	77.09%	79.17%	74.85%	-39 bps
Non-Interest Burden	1.88%	2.28%	1.94%	2.18%	2.22%	+34 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.01%	0.24%	0.04%	0.01%	0.01%	+2 bps
Allowance / Loans	2.10%	2.09%	2.12%	2.00%	2.03%	-7 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	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	22.16%	22.86%	23.23%	22.51%	21.92%	-24 bps
Equity / Assets	12.26%	12.77%	13.06%	13.60%	12.50%	+24 bps
Liquidity & Funding
Loans / Deposits	71.33%	70.81%	69.15%	75.37%	69.74%	-159 bps
Liquid Assets / Assets	12.34%	12.09%	10.55%	4.30%	10.44%	-190 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a