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Letter portraitLegal landscapeQuarterYTD

Heritage Bank of Southern Indiana

Jeffersonville, IN · Cert 34117

FDIC

Q4 2001

$85.8MAssets
$61.1MLoans
$55.2MDeposits
$8.0MEquity
Deposit mix
88%Interest-bearing $48.4M12%Noninterest $6.9MQ4 2000Q4 2001

NIM

7.43%Q1 ’017.09%Q3 ’016.21%Q4 ’01+8%-13%

Non-interest income vs. expense

2.35%Q1 ’012.44%Q3 ’012.50%Q4 ’01+30%+12%

Executive Summary

  • Earnings: ROA of 0.47%, down 45 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 110.64% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.47%-45 bps YoY

Net Interest Margin (quarter, annualized)

2.76%

Efficiency Ratio (quarter, annualized)

72.39%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.92%0.79%0.72%0.90%0.47%-45 bps
Return on Equityn/an/a7.81%9.70%5.01%n/a
Net Interest Marginn/a2.95%3.00%3.18%2.76%n/a
Efficiency Ration/a57.87%65.43%60.86%72.39%n/a
Non-Interest Burdenn/a1.24%1.64%1.61%1.81%n/a
Growth
Asset Growth (YoY)5.80%9.03%-0.23%6.11%0.97%-482 bps
Loan Growth (YoY)16.79%17.29%9.08%12.62%14.25%-254 bps
Deposit Growth (YoY)27.74%17.83%-12.70%7.76%-0.81%-2,855 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.16%0.17%0.00%0.10%n/a
Allowance / Loansn/a1.31%1.37%1.37%1.38%n/a
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 Capitaln/a13.91%14.21%13.90%13.57%n/a
Equity / Assetsn/a9.11%9.30%9.33%9.32%n/a
Liquidity & Funding
Loans / Deposits96.06%106.07%108.85%106.72%110.64%+1,458 bps
Liquid Assets / Assets0.00%6.05%0.35%1.96%0.30%+30 bps
CRE / Total Capitaln/an/an/an/an/an/an/a