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

Deposit mix

NIM

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

Earnings: ROA of 0.93%, up 29 bps year over year; NIM at 3.44%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.33%.
Funding: loans stand at 71.46% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

0.93%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+32 bps YoY

Efficiency Ratio (quarter, annualized)

73.77%-29 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.64%	0.68%	0.83%	0.89%	0.93%	+29 bps
Return on Equity	5.79%	6.21%	7.41%	7.66%	7.82%	+203 bps
Net Interest Margin	3.13%	3.20%	3.27%	3.45%	3.44%	+32 bps
Efficiency Ratio	74.05%	75.89%	73.24%	73.47%	73.77%	-29 bps
Non-Interest Burden	2.02%	2.18%	2.12%	2.24%	2.25%	+23 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	2.58%	0.33%	0.44%	-0.10%	0.33%	-225 bps
Allowance / Loans	1.01%	1.03%	0.95%	0.97%	0.90%	-12 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	17.35%	17.85%	18.04%	18.00%	18.48%	+114 bps
Equity / Assets	10.93%	10.92%	11.46%	11.77%	12.10%	+117 bps
Liquidity & Funding
Loans / Deposits	71.39%	67.21%	68.80%	71.36%	71.46%	+7 bps
Liquid Assets / Assets	6.57%	8.82%	6.16%	5.08%	5.77%	-80 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a