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Evansville Commerce Bank

Evansville, IN · Cert 58279

FDIC · 4 branches

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Evansville Commerce Bank

Evansville, IN · Cert 58279

FDIC · 4 branches

Q4 2019

$182.6MAssets
$144.0MLoans
$144.3MDeposits
$22.5MEquity
Loan mix
73%RE $93.7M26%C&I $33.6M1%Consumer $0.8MQ4 2018Q4 2019
Deposit mix
80%Interest-bearing $115.5M20%Noninterest $28.8MQ4 2018Q4 2019

NIM

3.50%Q4 ’173.96%Q4 ’183.89%Q4 ’19+6%-7%

Non-interest income vs. expense

2.90%Q4 ’172.85%Q4 ’182.70%Q4 ’19-1%-3%

Market Position · Evansville, IN-KY · 2019 SOD (annual) · 1.5% share · #12 of 21 inst. · $0.1B of $6.4B

2.2% Vanderburgh
3.8% Clark

Executive Summary

  • Earnings: ROA of 0.46%, down 6 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.31%, down 146 bps from a year ago.
  • Funding: loans stand at 99.78% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.46%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-23 bps YoY

Efficiency Ratio (YTD, annualized)

83.28%+286 bps YoY

Tier 1 Leverage Ratio

10.31%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.52%0.50%0.60%0.64%0.46%-6 bps
Return on Equity4.53%4.20%5.09%5.43%3.86%-66 bps
Net Interest Margin3.10%3.35%3.00%3.33%2.88%-23 bps
Efficiency Ratio80.41%80.61%77.86%76.61%83.28%+286 bps
Non-Interest Burden2.41%2.65%2.27%2.46%2.33%-7 bps
Growth
Asset Growth (YoY)7.29%-0.90%5.76%6.18%-0.11%-740 bps
Loan Growth (YoY)11.17%10.22%12.05%9.67%0.79%-1,038 bps
Deposit Growth (YoY)8.91%1.89%5.32%2.82%-1.04%-996 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.14%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.00%0.00%0.00%0.00%-3 bps
Allowance / Loans1.02%1.02%1.03%1.02%1.02%0 bps
Allowance Coverage of NPLsn/an/a7.3xn/an/an/a
Capital
Tier 1 Leverage Ratio11.77%11.83%10.45%11.78%10.31%-146 bps
Total Risk-Based Capital14.00%13.85%13.90%14.09%14.10%+10 bps
Equity / Assets11.67%12.12%11.33%12.03%12.33%+66 bps
Liquidity & Funding
Loans / Deposits97.97%98.70%91.13%97.26%99.78%+181 bps
Liquid Assets / Assets9.63%5.48%13.65%9.29%7.76%-187 bps
CRE / Total Capitaln/an/an/an/an/an/an/a