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Lafayette Community Bank

Lafayette, IN · Cert 35476

FDIC · 4 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Lafayette Community Bank

Lafayette, IN · Cert 35476

FDIC · 4 branches

Q2 2017

$167.4MAssets
$136.9MLoans
$147.4MDeposits
$19.7MEquity
Loan mix
89%RE $98.7M11%C&I $12.3M0%Consumer $0.2MQ2 2016Q2 2017
Deposit mix
79%Interest-bearing $116.0M21%Noninterest $31.4MQ2 2016Q2 2017

NIM

3.09%Q2 ’153.21%Q2 ’163.59%Q2 ’17+4%+11%

Non-interest income vs. expense

2.80%Q2 ’152.74%Q2 ’162.77%Q2 ’17+1%+1%

Market Position · Lafayette-West Lafayette, IN · 2017 SOD (annual) · 4.7% share · #5 of 20 inst. · $0.1B of $3.1B

Executive Summary

  • Earnings: ROA of 0.56%, up 2 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 1.45% of loans (+145 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 11.38%, up 41 bps from a year ago.
  • Funding: loans stand at 92.86% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.56%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+34 bps YoY

Efficiency Ratio (YTD, annualized)

75.89%-727 bps YoY

Tier 1 Leverage Ratio

11.38%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.53%0.53%0.54%0.55%0.56%+2 bps
Return on Equity4.78%4.80%4.80%4.79%4.82%+4 bps
Net Interest Margin2.97%3.00%3.08%3.32%3.31%+34 bps
Efficiency Ratio83.15%80.76%79.59%75.24%75.89%-727 bps
Non-Interest Burden2.41%2.35%2.37%2.40%2.43%+2 bps
Growth
Asset Growth (YoY)5.86%0.65%2.63%1.96%-0.80%-667 bps
Loan Growth (YoY)11.56%21.62%22.26%20.67%14.77%+320 bps
Deposit Growth (YoY)6.09%0.12%-1.87%-0.14%-1.46%-754 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.54%1.45%+145 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%0.49%0.25%+27 bps
Allowance / Loans1.16%1.07%1.03%0.91%0.93%-23 bps
Allowance Coverage of NPLsn/an/an/a0.6x0.6xn/a
Capital
Tier 1 Leverage Ratio10.96%10.91%11.14%11.42%11.38%+41 bps
Total Risk-Based Capital15.55%14.76%15.15%15.10%15.57%+2 bps
Equity / Assets11.15%11.03%11.52%11.30%11.76%+62 bps
Liquidity & Funding
Loans / Deposits79.73%84.11%95.38%91.37%92.86%+1,313 bps
Liquid Assets / Assets11.33%8.00%4.13%5.62%4.26%-706 bps
CRE / Total Capitaln/an/an/an/an/an/an/a