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South Central Bank of Daviess County, Inc.

Owensboro, KY · Cert 33963

FDIC · 4 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 Daviess County, Inc.

Owensboro, KY · Cert 33963

FDIC · 4 branches

Q4 2014

$205.4MAssets
$92.2MLoans
$151.6MDeposits
$16.4MEquity
Loan mix
80%RE $62.2M13%C&I $10.4M7%Consumer $5.2MQ4 2013Q4 2014
Deposit mix
79%Interest-bearing $120.0M21%Noninterest $31.5MQ4 2013Q4 2014

NIM

3.50%Q4 ’123.30%Q4 ’133.22%Q4 ’14-2%0%

Non-interest income vs. expense

3.37%Q4 ’123.32%Q4 ’133.06%Q4 ’14-5%-2%

Market Position · Owensboro, KY · 2014 SOD (annual) · 5.5% share · #6 of 15 inst. · $0.2B of $2.8B

Executive Summary

  • Earnings: ROA of 0.43%, up 3 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 60.81% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.43%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-1 bps YoY

Efficiency Ratio (YTD, annualized)

84.19%-180 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 Assets0.40%0.42%0.40%0.47%0.43%+3 bps
Return on Equity4.76%5.09%4.75%5.47%5.02%+25 bps
Net Interest Margin2.93%3.11%3.17%3.09%2.92%-1 bps
Efficiency Ratio85.99%85.10%85.56%83.04%84.19%-180 bps
Non-Interest Burden2.39%2.52%2.59%2.43%2.35%-4 bps
Growth
Asset Growth (YoY)-2.96%-3.09%-1.36%-1.51%2.34%+530 bps
Loan Growth (YoY)-2.30%-0.93%-1.80%-4.22%-0.88%+142 bps
Deposit Growth (YoY)-2.14%-4.13%-1.97%-1.31%1.19%+333 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%-0.01%-0.03%0.09%0.12%-4 bps
Allowance / Loans1.97%1.99%2.02%1.96%1.86%-11 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 Capital17.33%18.20%18.32%18.64%17.91%+59 bps
Equity / Assets7.57%8.87%9.00%9.27%8.00%+43 bps
Liquidity & Funding
Loans / Deposits62.09%60.44%59.45%59.35%60.81%-127 bps
Liquid Assets / Assets24.40%16.19%14.34%12.44%22.95%-145 bps
CRE / Total Capitaln/an/an/an/an/an/an/a