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Rock Branch Community Bank, Inc.

Nitro, WV · Cert 34245

FDIC · 2 branches

Q3 2016

$80.4MAssets
$56.1MLoans
$72.2MDeposits
$8.0MEquity
Loan mix
77%RE $40.0M16%C&I $8.3M7%Consumer $3.8MQ3 2015Q3 2016
Deposit mix
78%Interest-bearing $56.2M22%Noninterest $16.0MQ3 2015Q3 2016

NIM

4.50%Q3 ’144.40%Q3 ’154.20%Q3 ’16-2%-4%

Non-interest income vs. expense

3.43%Q3 ’143.50%Q3 ’153.82%Q3 ’16+5%+7%

Market Position · Huntington-Ashland, WV-KY-OH · 2016 SOD (annual) · 1.3% share · #19 of 29 inst. · $0.1B of $5.5B

Executive Summary

  • Earnings: ROA of 0.03%, down 14 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 9.70%, down 62 bps from a year ago.
  • Funding: loans stand at 77.63% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.03%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-17 bps YoY

Efficiency Ratio (YTD, annualized)

94.19%+932 bps YoY

Tier 1 Leverage Ratio

9.70%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.16%0.41%0.54%0.30%0.03%-14 bps
Return on Equity1.53%3.90%5.11%2.88%0.25%-127 bps
Net Interest Margin3.81%3.76%4.02%3.80%3.64%-17 bps
Efficiency Ratio84.88%82.73%79.37%88.92%94.19%+932 bps
Non-Interest Burden3.19%3.06%3.07%3.35%3.41%+22 bps
Growth
Asset Growth (YoY)3.82%7.23%2.50%11.26%10.03%+620 bps
Loan Growth (YoY)7.66%5.95%6.25%5.74%-1.20%-886 bps
Deposit Growth (YoY)3.52%7.72%2.35%12.22%11.54%+802 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.37%0.25%0.04%-0.11%-0.08%-45 bps
Allowance / Loans1.11%1.19%1.20%1.33%1.42%+31 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.32%10.25%10.37%10.07%9.70%-62 bps
Total Risk-Based Capital17.50%17.72%16.61%17.17%16.40%-110 bps
Equity / Assets10.55%10.51%10.61%9.81%9.93%-62 bps
Liquidity & Funding
Loans / Deposits87.64%84.70%86.52%79.44%77.63%-1,001 bps
Liquid Assets / Assets0.49%1.80%0.47%3.81%0.44%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a