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National Bank and Trust Company, The

Wilmington, OH · Cert 6731

FDIC · 22 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

National Bank and Trust Company, The

Wilmington, OH · Cert 6731

FDIC · 22 branches

Q4 2014

$648.1MAssets
$399.5MLoans
$559.1MDeposits
$78.4MEquity
Loan mix
89%RE $303.1M10%C&I $33.2M1%Consumer $3.7MQ4 2013Q4 2014
Deposit mix
77%Interest-bearing $428.1M23%Noninterest $131.1MQ4 2013Q4 2014

NIM

3.79%Q4 ’123.44%Q4 ’133.55%Q4 ’14-6%+5%

Non-interest income vs. expense

3.38%Q4 ’123.36%Q4 ’133.39%Q4 ’14+2%+3%

Market Position · Cincinnati, OH-KY-IN · 2014 SOD (annual) · 0.4% share · #16 of 70 inst. · $0.3B of $79.0B

38.4% Clinton
26.4% Brown
5.2% Clermont
3.7% Warren

Executive Summary

  • Earnings: ROA of 0.84%, up 20 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 71.46% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.84%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+17 bps YoY

Efficiency Ratio (YTD, annualized)

74.08%-119 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.63%0.68%0.76%0.80%0.84%+20 bps
Return on Equity5.72%6.21%6.82%7.11%7.30%+159 bps
Net Interest Margin3.19%3.20%3.25%3.33%3.36%+17 bps
Efficiency Ratio75.26%75.89%74.56%74.18%74.08%-119 bps
Non-Interest Burden2.13%2.18%2.16%2.19%2.21%+7 bps
Growth
Asset Growth (YoY)-2.02%-1.91%-1.15%0.71%1.63%+365 bps
Loan Growth (YoY)-0.67%-4.38%-4.78%-0.80%0.02%+69 bps
Deposit Growth (YoY)-1.43%-0.84%-1.94%-0.10%-0.08%+135 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.83%0.33%0.38%0.22%0.25%-58 bps
Allowance / Loans1.01%1.03%0.95%0.97%0.90%-12 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 Capital17.35%17.85%18.04%18.00%18.48%+114 bps
Equity / Assets10.93%10.92%11.46%11.77%12.10%+117 bps
Liquidity & Funding
Loans / Deposits71.39%67.21%68.80%71.36%71.46%+7 bps
Liquid Assets / Assets6.57%8.82%6.16%5.08%5.77%-80 bps
CRE / Total Capitaln/an/an/an/an/an/an/a