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Stone City Bank of Bedford, Indiana

Bedford, IN · Cert 4386

FDIC

Q2 2006

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 2006, the quarter ended June 30, 2006, 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

Stone City Bank of Bedford, Indiana

Bedford, IN · Cert 4386

FDIC

Q2 2006

$68.0MAssets
$46.8MLoans
$48.0MDeposits
$11.7MEquity
Loan mix
66%RE $16.5M34%C&I $8.6M0%Consumer $0.1MQ2 2005Q2 2006
Deposit mix
82%Interest-bearing $39.5M18%Noninterest $8.5MQ2 2005Q2 2006

NIM

5.17%Q2 ’045.58%Q2 ’056.10%Q2 ’06+4%-1%

Non-interest income vs. expense

4.31%Q2 ’044.36%Q2 ’053.55%Q2 ’06+2%-15%

Executive Summary

  • Earnings: ROA of 0.41%, down 27 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.87%.
  • Funding: loans stand at 97.55% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.41%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-4 bps YoY

Efficiency Ratio (YTD, annualized)

70.65%-1,595 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.68%0.59%0.03%0.66%0.41%-27 bps
Return on Equity7.88%6.81%0.38%5.58%3.03%-485 bps
Net Interest Margin4.18%3.98%4.03%4.54%4.13%-4 bps
Efficiency Ratio86.60%87.09%90.95%72.12%70.65%-1,595 bps
Non-Interest Burden3.50%3.36%3.58%3.36%2.98%-53 bps
Growth
Asset Growth (YoY)2.21%3.02%1.38%18.12%14.47%+1,226 bps
Loan Growth (YoY)4.46%6.29%13.62%10.68%6.06%+159 bps
Deposit Growth (YoY)-1.33%0.14%1.64%9.02%4.37%+570 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.11%0.23%0.13%0.87%+70 bps
Allowance / Loans1.08%1.09%1.37%1.04%1.06%-2 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 Capital12.26%11.80%10.80%8.42%11.38%-88 bps
Equity / Assets8.68%8.45%7.68%15.41%17.24%+856 bps
Liquidity & Funding
Loans / Deposits95.99%97.47%100.48%96.45%97.55%+156 bps
Liquid Assets / Assets0.34%0.33%0.33%0.29%1.48%+115 bps
CRE / Total Capitaln/an/an/an/an/an/an/a