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Community Bank of Southern Indiana

New Albany, IN · Cert 28915

FDIC · 35 branches

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Community Bank of Southern Indiana

New Albany, IN · Cert 28915

FDIC · 35 branches

Q2 2016

$1.5BAssets
$1.1BLoans
$1.2BDeposits
$171.0MEquity
Loan mix
79%RE $647.8M18%C&I $146.2M3%Consumer $21.2MQ2 2015Q2 2016
Deposit mix
75%Interest-bearing $921.5M25%Noninterest $305.0MQ2 2015Q2 2016

NIM

3.79%Q2 ’143.78%Q2 ’153.82%Q2 ’16+0%-2%

Non-interest income vs. expense

2.81%Q2 ’143.10%Q2 ’152.94%Q2 ’16+15%-15%

Market Position · Louisville/Jefferson County, KY-IN · 2016 SOD (annual) · 3.0% share · #8 of 40 inst. · $0.8B of $25.2B

17.0% Hardin
18.2% Floyd
12.3% Clark
46.0% Scott

Executive Summary

  • Earnings: ROA of 1.18%, up 33 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.11%, down 32 bps from a year ago.
  • Funding: loans stand at 87.85% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.18%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-8 bps YoY

Efficiency Ratio (YTD, annualized)

65.21%-572 bps YoY

Tier 1 Leverage Ratio

10.11%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.85%1.11%1.15%1.16%1.18%+33 bps
Return on Equity7.39%9.54%10.17%10.98%10.95%+356 bps
Net Interest Margin3.63%3.67%3.70%3.53%3.55%-8 bps
Efficiency Ratio70.93%68.39%66.79%65.53%65.21%-572 bps
Non-Interest Burden2.43%2.34%2.29%2.12%2.07%-36 bps
Growth
Asset Growth (YoY)95.84%114.23%108.18%3.91%5.52%-9,032 bps
Loan Growth (YoY)80.20%97.82%94.42%13.82%17.40%-6,279 bps
Deposit Growth (YoY)107.58%128.18%129.62%1.46%3.79%-10,379 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.30%0.22%0.25%0.13%+1 bps
Allowance / Loans0.79%0.63%0.67%0.59%0.61%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.43%10.97%9.66%9.73%10.11%-32 bps
Total Risk-Based Capital15.06%15.59%15.00%14.90%15.18%+12 bps
Equity / Assets11.37%11.67%10.48%10.70%11.28%-9 bps
Liquidity & Funding
Loans / Deposits77.66%80.90%80.49%84.40%87.85%+1,019 bps
Liquid Assets / Assets1.02%0.57%0.45%1.22%0.53%-49 bps
CRE / Total Capitaln/an/an/an/an/an/an/a