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8/8/2019 Income Analysis 2010
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FDIC Certificate # 9092 SALIN BANK AND TRUST COMPANY
2006 2007 2008 2009 Jun-10
12/31/2006 12/31/2007 ### 12/31/2009 6/30/2010
Summary
Assets $894.2 $834.3 $776.1 $790.2 $789.9
Net Income $17.6 $10.7 -$24.1 $1.8 $2.0
ROA 1.98% 1.24% -3.01% 0.23% 0.52%
ROE 18.8% 10.3% -34.3% 2.6% 5.6%Capital Ratio 10.52% 12.03% 8.78% 8.95% 9.25%
Asset Growth 2.65% -6.70% -6.97% 1.82% 4.39%
Balance Sheet Composition
Real Estate 46.4% 45.9% 47.2% 46.7% 47.6%
Commercial 20.7% 20.9% 21.9% 21.5% 19.0%
Consumer 3.8% 2.2% 1.9% 2.1% 2.0%
Other 3.5% 3.8% 4.8% 4.4% 4.1%
Securities 18.6% 19.4% 17.0% 16.1% 19.9%
Fixed 7.0% 7.8% 7.3% 9.4% 7.4%
Checking 6.9% 8.3% 7.6% 8.3% 6.6%MMDAs 5.1% 8.4% 10.1% 16.3% 17.1%
Savings 35.9% 32.6% 31.7% 33.7% 32.6%
Time 23.0% 27.6% 19.5% 17.3% 18.1%
Borrowings 29.2% 23.2% 31.0% 24.5% 25.6%
Capital
Capital Ratio 10.5% 12.0% 8.8% 9.0% 9.3%
9.0% 9.1% 8.8% 8.7% 9.0%
Risk-based Capital 13.8% 15.8% 11.2% 11.5% 12.3%
12.9% 12.7% 12.6% 13.2% 13.9%
Asset QualityNon-accrual 0.83% 2.22% 4.58% 4.35% 5.67%
0.71% 1.28% 2.63% 4.27% 4.50%
Management Quality
Evaluation of policy and procedures (No Data)
Earnings
2006 2007 2008 2009 Jun-10
ROE
ROA 1.98% 1.24% -3.01% 0.23% 0.52%
1.26% 1.10% 0.53% 0.11% 0.56%
Multiplier 9.5 8.3 11.4 11.2 10.811.1 11.0 11.4 11.5 11.1
ROE 18.8% 10.3% -34.3% 2.6% 5.6%
14.0% 12.1% 6.1% 1.3% 6.2%
Capital Ratio 10.5% 12.0% 8.8% 9.0% 9.3%
9.0% 9.1% 8.8% 8.7% 9.0%
ROA
Net Interest Margin 4.30% 4.09% 4.11% 3.80% 4.06%
3.94% 3.77% 3.55% 3.45% 3.55%
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Fee Income 1.1% 1.2% 1.3% 1.4% 1.3%
0.8% 0.8% 0.8% 0.7% 0.7%
Operating Expense 3.3% 3.6% 4.1% 4.1% 3.8%
2.8% 2.9% 2.9% 3.0% 2.9%
Efficiency Ratio 61% 67% 76% 79% 71%
60% 62% 67% 71% 68%
SpreadEarning Asset Yield 7.3% 7.3% 6.1% 5.2% 5.2%
7.1% 7.3% 6.3% 5.5% 5.2%
Costing Liability Ra 3.1% 3.3% 2.0% 1.2% 0.9%
3.0% 3.4% 2.6% 1.8% 1.4%
Spread 4.2% 4.0% 4.2% 3.9% 4.2%
4.1% 3.9% 3.7% 3.7% 3.8%
Securities Yield 5.1% 5.5% 5.4% 5.6% 6.1%
4.7% 5.1% 5.0% 4.4% 3.9%
Loan Yield 7.8% 7.8% 6.3% 5.1% 5.2%
7.8% 7.9% 6.8% 6.1% 5.9%
Deposit Cost 3.1% 3.4% 2.2% 1.3% 0.9%
3.3% 3.8% 2.9% 2.0% 1.5%Fed Funds Rate 4.97% 5.02% 1.92% 0.16% 0.16%
Liquidity
Loans to Assets 74% 73% 76% 75% 73%
71% 72% 71% 68% 67%
Borrowing Capacity 29.9% 30.4% 25.8% 28.6% 29.2%
Sensitivity
(correlation coefficient)
Earning Asset Yield 99.7%
98.1%Costing Liability Ra 99.1%
94.2%
Spread 18%
83%
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47.6% 19.0% 2.0% 4.1% 19.9% 7.4%
6.6% 17.1% 32.6% 18.1% 25.6%
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FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BAN
OCC Charter # 0 County: MARION Summary
Public Report
### 12/31/2007
Earnings and Profitability BANK PG 3 PCT BANK PG 3 PCT
Percent of Average Assets:
Interest Income (TE) 7.04 6.63 71 6.97 6.82 58
- Interest Expense 2.74 2.7 52 2.88 3.07 36Net Interest Income (TE) 4.3 3.94 70 4.09 3.77 69
+ Noninterest Income 1.08 0.83 74 1.24 0.82 81
- Noninterest Expense 3.29 2.84 73 3.55 2.85 82
- Provision: Loan & Lease Losses 0.01 0.15 13 0.4 0.21 81
Pretax Operating Income (TE) 2.08 1.82 66 1.38 1.56 38
+ Realized Gains/Losses Sec 0 0 74 0.01 0 85
Pretax Net Operating Income (TE) 2.08 1.81 66 1.39 1.55 38
Net Operating Income 1.98 1.26 89 1.24 1.1 62
Adjusted Net Operating Income 1.61 1.33 72 1.31 1.19 62
Net Inc Attrib to Min Ints N/A 0 N/A N/A 0 N/A
Net Income Adjusted Sub S 1.35 1.17 67 0.9 1.01 37
Net Income 1.98 1.26 89 1.24 1.1 62
Margin Analysis:
Avg Earning Assets to Avg Assets 96.29 94.04 84 95.29 93.94 68
Avg Int-Bearing Funds to Avg Assets 84.96 79.62 79 83.77 80.05 70
Int Inc (TE) to Avg Earn Assets 7.31 7.06 64 7.32 7.28 51
Int Expense to Avg Earn Assets 2.84 2.88 46 3.02 3.27 33
Net Int Inc-TE to Avg Earn Assets 4.47 4.21 64 4.29 4.03 66
Loan & Lease Analysis:
Net Loss to Average Total LN&LS 0.49 0.11 93 0.43 0.18 85
Earnings Coverage of Net Losses (X) 5.14 57.97 8 4.98 31.11 17
LN&SL Allowance to LN&LS Not HFS 1.1 1.21 37 1.3 1.21 67LN&LS Allowance to Net Losses (X) 2.14 26.6 6 2.84 15.59 15
LN&LS Allowance to Total LN&LS 1.1 1.2 38 1.3 1.21 67
Total LN&LS-90+ Days Past Due 0 0.08 35 0 0.11 31
-Nonaccrual 0.75 0.44 74 2.03 0.81 85
-Total 0.75 0.58 68 2.03 1.04 82
Liquidity
Net Non Core Fund Dependence 26.77 24.43 57 20.86 25.65 36
Net Loans & Leases to Assets 74.46 70.71 59 72.8 71.61 48
Capitalization
Tier One Leverage Capital 10.52 9.02 83 12.03 9.06 91Cash Dividends to Net Income 90.13 39.93 87 49.58 47.84 52
Retained Earnings to Avg Total Equit 1.79 7.37 15 5.39 4.97 50
Rest+Nonac+RE Acq to Eqcap+ALLL 5.47 4.15 66 12.3 8.06 74
Growth Rates
Total Assets 2.65 10.13 20 -6.7 8.22 3
Tier One Capital 2.74 11.64 14 6.66 7.95 48
Net Loans & Leases -7.95 12.34 2 -8.77 10.3 3
Short Term Investments 112.94 59.71 77 3.83 10.12 59
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Short Term Non Core Funding 10.96 36.94 25 -3.47 17.27 24
Average Total Assets 885,923 861,809
Total Equity Capital 98,738 105,523
Net Income 17,585 10,690
Number of banks in Peer Group 1,146 1,171
FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BAN
OCC Charter # 0 County: MARION Noninteres
Public Report
### 12/31/2007
Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT
Personnel Expense 1.79 1.57 70 1.79 1.57 70
Occupancy Expense 0.54 0.4 81 0.59 0.4 88
Other Oper Exp (Incl Intangibles) 0.96 0.86 68 1.16 0.87 84Total Overhead Expense 3.29 2.84 73 3.55 2.85 82
Overhead Less Nonint Inc 2.21 1.96 69 2.31 1.98 72
Other Income & Expense Ratios:
Efficiency Ratio 61.15 59.04 58 66.53 61.55 67
Avg Personnel Exp Per Empl($000) 58.84 56.46 62 61.28 58.88 62
Assets Per Employee ($Million) 3.31 3.97 37 3.31 4.14 33
Yield on or Cost of:
Total Loan & Leases (TE) 7.77 7.78 53 7.79 7.93 43
Loans in Domestic Offices 7.75 7.76 53 7.74 7.92 40
Real Estate 7.65 7.61 54 7.26 7.79 26
Secured by 1-4 Fam Resi Prop N/A 0 N/A N/A 0 N/AAll Other Loans Sec Real EstateN/A 0 N/A N/A 0 N/A
Commercial & Industrial 8.16 8.36 48 7.96 8.41 32
Individual 4.47 8.39 2 6.01 8.71 4
Credit Card N/A 10.03 N/A N/A 10.44 N/A
Agricultural 7.99 8.31 38 7.84 8.5 21
Loans in Foreign Offices N/A 7.37 N/A N/A 7.88 N/A
Total Investment Securities (TE) 5.13 4.69 80 5.53 5.06 84
Total Investment Securities (Book) 4.66 4.32 78 4.94 4.69 72
US Treas & Agency (Excl MBS) 4.39 4.2 64 4.81 4.7 55
Mortgage Backed Securities 4.27 4.59 28 5.12 4.91 66
All Other Securities 5.64 4.3 91 4.8 4.38 73
Interest-Bearing Bank Balances 14.42 4.33 96 4.95 4.63 49Federal Funds Sold & Resales 5.59 4.96 93 4.68 5.07 8
Total Interest Bearing Deposits 3.1 3.27 38 3.35 3.76 28
Transaction accounts 1.22 1.44 48 1.45 1.58 52
Other Savings Deposits 1.88 2.25 38 2.1 2.57 34
Time Deps Over $100M 3.81 4.36 10 4.15 4.87 6
All Other Time Deposits 4.74 4.12 91 5.22 4.77 86
Foreign Office Deposits N/A 3.94 N/A N/A 4.19 N/A
Federal Funds Purchased & Repos 4.37 4.45 42 4.29 4.49 40
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Other Borrowed Money 3.98 4.7 15 5.22 4.86 74
Subord Notes & Debentures N/A 6.9 N/A N/A 6.99 N/A
All Interest-Bearing Funds 3.22 3.4 37 3.44 3.85 26
Non-interest Income & Expenses
Fiduciary Activities 1,591 1,687
Deposit Service Charges 5,089 6,064Trading, Vent Cap, Securtz Inc 0 0
Inv Banking, Advisory Inc 267 308
Insurance Comm & Fees 19 16
Net Servicing Fees 550 526
Loan & Lse Net Gains/Loss 464 324
Other Net Gains/Losses 5 11
Other Non-interest Income 1,604 1,765
Non-interest Income 9,589 10,701
Personnel Expense 15,887 15,442
Occupancy Expense 4,779 5,097
Goodwill Impairment 0 0
Other Intangible Amortiz 885 880Other Oper Exp(incl Intangibles) 7,627 9,150
Non-Interest Expense 29,178 30,569
Domestic Banking Offices(#) 32 29
Foreign Branches (#) 0 0
Assets Per Domestic Office 27,943 28,768
FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BAN
OCC Charter # 0 County: MARION Balance Sh
Public Report
### 12/31/2007
Assets:
Real Estate Loans 414,803 382,554
Commercial Loans 185,426 174,667
Individual Loans 34,275 18,324
Agricultural Loans 36,427 37,995
Other LN&LS in Domestic Offices 2,241 1,872
LN&LS in Foreign Offices N/A N/A
Loans Held for Sale 356 369
Loans not Held for Sale 672,816 615,043
LN&LS Allowance 7,393 8,016
Net Loans & Leases 665,779 607,396U.S. Treasury & Agency Securities 119,616 101,784
Municipal Securities 41,741 40,376
Foreign Debt Securities 0 0
All Other Securities 4,415 18,915
Interest-Bearing Bank Balances 241 410
Federal Funds Sold & Resales 0 0
Trading Account Assets 0 0
Total Investments 166,013 161,485
Total Earning Assets 831,792 768,881
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Nonint Cash & Due From Banks 26,484 29,451
Premises, Fix Assts, Cap Leases 16,663 16,078
Other Real Estate Owned 525 1,225
Dir & Indir Inv RE Ventures 384 0
Inv in Unconsolidated Subs 0 0
Acceptances & Oth Assets 18,351 18,644
Total Assets 894,199 834,279Average Assets During Quarter 900,873 840,398
Liabilities:
Demand Deposits 38,478 42,023
All Now & ATS Accounts 16,250 18,191
Money Market Deposit Accounts 40,211 60,896
Other savings Deposits 285,585 237,417
Time Dep Under $100M 182,882 201,108
Core Deposits 563,406 559,635
Time Dep on $100 or More 154,383 91,929
Deposits in Foreign Offices 0 0
Total Deposits 717,789 651,564Federal Funds Purch & Resale 59,873 69,737
Fed Home Loan Bor Mat < 1 Year 7,933 0
Fed Home Loan Bor Mat > 1 Year 1,643 1,643
Oth Borrowing Mat < 1 Year 0 0
Oth Borrowing Mat > 1 Year 0 0
Acceptances & Other Liabilities 8,223 5,812
Total Liabilities (Incl Mortg) 795,461 728,756
Subordinated Notes & Debentures 0 0
Total Bank Capital & Min Int 98,738 105,523
Total Liabilities & Capital 894,199 834,279
Memoranda:Officers, Shareholder Loans (#) 2 2
Officers, Shareholder Loans ($) 5,090 4,155
Held-to-Maturity Securities 7,644 5,829
Available-for-Sale Securities 158,128 155,246
All Brokered Deposits 59,256 42,566
FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BAN
OCC Charter # 0 County: MARION Balance Sh
Public Report
### 12/31/2007Percent of Average Assets BANK PG 3 PCT BANK PG 3 PCT
Loans Held For Sale 0.02 0.18 50 0.07 0.16 58
Loans Not Held For Sale 79.18 70.87 74 75.61 71.5 59
Less: LN&LS Allowance 1.1 0.86 84 0.92 0.85 60
Net Loans & Leases 78.11 70.42 72 74.77 71.05 57
Interest-Bearing Bank Balances 0.02 0.31 32 0.04 0.32 39
Federal Funds Sold & Resales 0 1.73 13 0.06 1.89 14
Trading Account Assets 0 0.03 97 0 0.11 95
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Held-to-Maturity Securities 0.98 1.36 71 0.78 1.24 71
Available-for-Sale Securities 14.46 15.91 47 17.68 15.21 64
Total Earning Assets 93.58 92.04 73 93.33 92.04 68
Nonint Cash & Due From Banks 2.29 2.7 35 2.51 2.44 57
Premises, Fix Assts & Cap Leases 1.99 1.83 59 1.91 1.91 52
Other Real Estate Owned 0.03 0.06 53 0.14 0.1 71Dir & Indir Inv RE Ventures 0.02 0 94 0.01 0 94
Inv in Unconsolidated Subs 0 0 87 0 0 88
Acceptances & Other Assets 2.09 3.12 27 2.11 3.22 26
Total Non-Earning Assets 6.42 7.96 26 6.67 7.96 31
Total Assets 100 100 99 100 100 99
Standby Letters of Credit 1.33 0.68 79 1.53 0.65 84
Liabilities
Demand Deposits 4.1 8.4 16 4.56 7.2 29
All NOW & ATS Accounts 1.9 4.88 22 2.1 4.22 28
Money Market Deposit Accounts 1.64 16.05 3 6.08 16.37 18Other Savings Deposits 33.38 11.55 94 30.43 11.29 92
Time Dep Less Than $100M 21.03 20 53 21.74 21.96 47
Core Deposits 62.05 64.56 38 64.91 64.64 49
Time Deposits of $100M or More 16.51 16.5 53 14.62 16.19 44
Deposits in Foreign Offices 0 0.21 98 0 0.2 98
Total Deposits 78.56 81.96 28 79.53 81.69 33
Federal Funds Purch & Repos 7.96 1.94 92 7.26 1.94 91
Total Fed Home Loan Borrowings 1.76 4.51 32 0.88 4.41 25
Total Other Borrowings 0 0.06 63 0 0.06 63
Memo: Sht Ter N Core Funding 18.9 17.88 58 17.94 19.03 47
Acceptances & Other Liabilities 0.78 0.73 62 0.76 0.78 52
Total Liabilities (Incl Mortg) 89.05 90.65 20 88.43 90.33 17
Subordinated Notes & Debentures 0 0 93 0 0 94
Total Bank Capital & Min Int 10.95 9.27 80 11.57 9.6 82
Total Liabilities & Capital 100 100 96 100 100 97
Memo: All Brokered Deposits 6.26 3.15 77 6.05 3.33 74
Insured Brokered Deposits 5.52 2.79 76 5.01 2.97 74
Loans HFS as a % Loans 0.03 0.24 49 0.1 0.22 57
FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BAN
OCC Charter # 0 County: MARION Analysis of
Public Report
### 12/31/2007
Analysis Ratios BANK PG 3 PCT BANK PG 3 PCT
Loss Provision to Average Assets 0.01 0.15 13 0.4 0.21 81
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Recoveries to Prior Credit Loss 18.48 35.7 33 18.18 42.68 31
Net Loss to Average Total LN&LS 0.49 0.11 93 0.43 0.18 85
Gross Loss to Average Total LN&LS 0.51 0.16 91 0.53 0.24 85
Recoveries to Average Total LN&LS 0.02 0.05 37 0.1 0.04 83
LN&LS Allowance to LN&LS Not HFS 1.1 1.21 37 1.3 1.21 67
LN&LS Allowance to Total LN&LS 1.1 1.2 38 1.3 1.21 67LN&LS Allowance to Net Losses (X) 2.14 26.6 6 2.84 15.59 15
LN&LS Allowance to Nonaccrual LN& 1.47 6.42 24 0.64 3.55 15
Earnings Coverage of Net Losses (X) 5.14 57.97 8 4.98 31.11 17
Net Losses by Type of LN&LS
Real Estate Loans 0.22 0.03 93 0.07 0.09 61
Loans to Finance Comml Real Estate N/A 0.01 N/A N/A 3.48 N/A
Construction & Land Development 0 0.01 81 0 0.12 63
1-4 Family Construction N/A 0 N/A 0 0.1 74
Other Construction & Land N/A 0 N/A 0 0.07 76
Secured by Farmland 0 0 94 0 0 93Single & Multifamily Mortgage 0.8 0.04 98 0.27 0.08 86
Home Equity Loans 0.03 0.01 85 0.64 0.04 95
1-4 Family Non-Revolving 1.62 0.04 99 -0.02 0.08 5
Multifamily Loans 0 0.02 96 0 0 94
Non-Farm Non-Residential Mtg 0 0.02 72 0 0.04 66
Owner Occupied Nonfarm Nonresid N/A 0 N/A 0 0.02 78
Other Nonfarm Nonresidential N/A 0 N/A 0 0.03 79
RE Loans in Foreign Offices N/A 0 N/A N/A 0 N/A
Agricultural Loans 0 0.01 87 0 0.01 86
Commercial and Industrial Loans 1.3 0.25 91 1.41 0.32 90
Lease Financing 0 0.05 86 N/A 0.1 N/ALoans to Individuals 0.23 0.49 39 0.67 0.57 65
Credit Card Plans N/A 1.43 N/A N/A 1.67 N/A
All Other Loans & Leases 0 0.2 71 0 0.23 68
Loans to Foreign Governments N/A 0 N/A N/A 0 N/A
Change: Credit Allowance ($000)
Beginning Balance 10,720 7,393
Gross Credit Losses 3,603 3,482
Memo: Loans HFS Write-down 0 0
Recoveries 156 655Net Credit Losses 3,447 2,827
Provision: Loan & Lease Losses 120 3,450
Other Adjustments 0 0
LN&LS Allowance 7,393 8,016
Average Total Loans & Leases 702,309 652,227
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FDIC Certificate # 9092 FRB District/ID_RSSD 7 / 123646 SALIN BAN
OCC Charter # 0 County: MARION Analysis of
Public Report
### 12/31/2007
Loan & Leases as a % of Total CapitaBANK PG 3 PCT BANK PG 3 PCT
Construction & Development 121.31 117.41 59 124.01 123.57 58
1-4 Family Construction N/A 0 N/A 18.3 38.22 37Other Const & Land Development N/A 0 N/A 105.72 84.34 65
1-4 Family Residential 98.31 164.16 28 87.98 162.09 25
Home Equity Loans 44.78 23.99 77 43.42 23.37 78
Other Real Estate Loans 188.62 257.5 26 140.59 259.63 13
Farmland 4.1 13.33 49 2.84 15.42 42
Multifamily 10.48 15.01 45 7.53 15.89 34
Non-Farm Non-Residential 174.05 216.63 35 130.22 215.62 20
Owner Occupied Non-Farm Non- N/A 0 N/A 39.1 99.92 16
Other Non-Farm Non-Residential N/A 0 N/A 91.12 110.54 43
Total Real Estate 408.23 567.24 19 352.57 574 11
Financial Institution Loans 0 0.56 95 0 1.14 95Agricultural Loans 35.85 8.12 87 35.02 8.96 86
Commercial & Industrial Loans 171.98 99.75 85 146.92 101.94 75
Loans to Individuals 33.73 31.16 64 16.89 28.7 43
Credit Card Loans 0 0.64 63 0 0.59 65
Municipal Loans 10.51 2.97 86 14.06 3.02 89
Foreign Office Loans & Leases 0 0.59 99 0 0.6 99
All Other Loans 2.21 2.15 68 1.73 2.3 61
Lease Financing Receivables 0 0.53 76 0 0.49 77
Supplemental:
Loans to Foreign Governments 0 0.01 99 0 0 99
Loans to Finance Commercial Real E 0 0.87 74 0 0.98 72
Commercial Real Estate Loans as a % of Total Capital:
Non-owner OCC Commercial Real EsN/A 0 N/A 222.66 273.01 39
Total Commercial Real Estate 305.83 371.53 35 261.76 377.29 28
Commercial Real Estate Loans as a % of Total LN&LS:
Construction & Development 18.31 15.83 63 21.86 16.48 70
Non-owner OCC Commercial Real EsN/A 0 N/A 39.26 36.33 58
Total Commercial Real Estate 46.16 50.39 42 46.15 50.56 42
-30-89 DAYS P/D 0 0.81 33 0.5 0.91 50
Other Non-Farm Non-Res-90+ Days 0 0.02 88 0 0.04 86
-Nonaccrual 7.02 2.15 86 6.22 2.02 84
-Total 7.02 2.32 85 6.22 2.22 83
-30-89 DAYS P/D 2.3 0.65 85 0 0.81 44
Non-Current LN&LS ($000)
90 Days and Over Past Due 0 16
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Total Nonaccrual LN&LS 25,959 18,324
Total Non-Current LN&LS 25,959 18,340
LN&LS 30-89 Days Past Due 2,415 3,631
Restructured LN&LS 90+ Days P/D 0 0
Restructured LN&LS Nonaccrual 0 0
Restructured LN&LS 30-89 Days P/D 0 0
Current 1-4 Family Restru LN&LS 0 0
Current Other Restructured LN&LS 5,954 0
Loans Secured 1-4 RE in Foreclosure 531 590
Other Real Estate Owned 7,692 8,027
### 12/31/2007
Capital Ratios BANK PG 3 PCT BANK PG 3 PCT
Percent of Bank Equity:
Net Loans & Leases (x) 6.74 8 30 5.76 8 20
Subord Notes & Debentures 0 0.02 94 0 0.85 95
Long Term Debt 0 0 94 0 1 95Com RE & Related Ventures 304.86 369.55 39 262.57 366.29 31
Percent of Average Bank Equity:
Net Income 18.11 13.73 78 10.69 11.64 44
Dividends 16.32 5.73 90 5.3 6.02 49
Retained Earnings 1.79 7.37 15 5.39 4.97 50
Other Capital Ratios:
Dividends to Net Operating Income 90.13 40 87 49.58 49 50
Bank Eq Cap + Min Int to Assets 11.04 9.39 80 12.65 9.64 88
Growth Rates:
Total Equity Capital 1.61 12 10 6.87 10 40
Equity Growth Less Asst Growth -1.04 2.33 32 13.57 1.77 89
Intang Assets % Bank EquityMortgage Servicing Rights 0.96 0 90 0.66 0 88
Goodwill 0 3.15 57 0 3.65 56
Purch Credit Card Relations 0 0.05 97 0 0.02 97
All Other Intangibles 5.97 1 95 4.78 1 93
Total Intangibles 6.93 4.39 72 5.44 4.88 68
Risk-Based Capital
Tier One RBC to Risk-Wgt Assets 12.75 12 71 14.62 12 84
Total RBC to Risk-Weight Assets 13.75 13 70 15.79 13 84
Tier One Leverage Capital 10.52 9 83 12.03 9 91
Other Capital Ratio:
Def Tax Asset to T1 Cap 0 2 27 0 2 33
Off-Balance Sheet
Category Two - 20% 0 0
Category Three - 50% 355 192
Category Four - 100% 23,017 29,558
Total Off-Balance Sheet 23,372 29,750
Memo: Category One - 0% 0 0
Adjustments to Risk-Wgt Assets
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Risk-Weighted Asset Before Ded 738,681 686,860
- Excess Allowable LN&LS Loss Al 0 0
- Allocated Transfer Risk Reserve 0 0
+ Mkt Risk Asset & Fin Sub Adj 0 0
Total Risk-Weighted Assets 738,681 686,861
Non Curr LNS+OREO to LNS+OREO 0.83 0.71 64 2.22 1.28 78
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K AND TRUST COMPA INDIANAPOLIS, IN Summary Ratios
atios--Page 1 10/8/10 10:16
12/31/2008 12/31/2009 6/30/2010
BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT
5.89 5.9 48 4.93 5.13 35 4.9 4.83 53
1.78 2.36 16 1.13 1.68 16 0.84 1.29 174.11 3.55 80 3.8 3.45 69 4.06 3.55 81
1.26 0.77 83 1.44 0.74 88 1.25 0.69 86
4.08 2.91 89 4.12 2.97 89 3.75 2.88 87
1.4 0.62 85 0.7 1.12 45 0.76 0.69 67
-0.11 0.87 17 0.43 0.16 45 0.8 0.72 46
-2.9 -0.04 1 -0.08 0.04 8 -0.12 0.05 4
-3.01 0.74 6 0.35 0.18 41 0.67 0.78 38
-3.01 0.53 5 0.23 0.11 40 0.52 0.56 41
-2.81 0.78 4 0.22 0.42 31 1.1 0.67 67
N/A 0 N/A 0 0 98 0 0 98
-3.01 0.47 5 0.23 0.06 41 0.45 0.5 38
-3.01 0.53 5 0.23 0.11 40 0.52 0.56 41
96 93.86 78 95.01 93.59 67 94.95 93.12 70
83.79 80.74 66 89.2 81.67 93 88.36 81.76 86
6.13 6.3 37 5.19 5.5 28 5.16 5.21 45
1.86 2.52 14 1.19 1.8 15 0.88 1.39 16
4.28 3.79 76 4 3.7 65 4.28 3.82 75
1.57 0.53 89 0.91 1.12 56 0.24 0.84 28
1.08 9.99 16 1.42 4.74 36 7.89 7.94 69
1.62 1.43 72 1.6 1.87 47 2.02 1.9 641.01 5.96 8 1.74 3.28 41 8.49 5.35 80
1.62 1.42 72 1.6 1.85 48 2.02 1.88 65
0.01 0.15 35 0 0.15 33 0 0.14 30
3.98 1.84 83 3.06 2.96 61 4.43 3.01 74
3.99 2.07 81 3.06 3.18 59 4.43 3.23 72
29.45 30.37 47 23.82 25.39 45 21.25 23.13 45
75.7 71.43 58 74.54 68.14 69 72.66 66.69 68
8.78 8.75 58 8.95 8.67 59 9.25 8.98 60-41.48 45.37 4 0 30.69 45 0 21.28 50
-37.65 0.24 4 2.56 -3 56 5.54 2.38 63
34.9 18.71 80 32.62 34.07 62 45.29 34.26 71
-6.97 8.75 5 1.82 4.63 38 4.39 3.28 56
-33.07 5.18 3 3.88 4.61 42 5.21 3.9 52
-3.27 9.14 11 0.25 -0.1 52 -2.38 -1.39 44
-87.45 35.08 6 156.75 232.34 65 2120.09 121.96 96
8/8/2019 Income Analysis 2010
15/31
-1.14 21.85 30 -11.86 -2.99 40 -1.06 -9 61
800,129 772,717 784,639
69,732 71,230 75,587
-24,109 1,781 2,029
1,191 1,198 1,204
K AND TRUST COMPA INDIANAPOLIS, IN Non Int Inc, Exp, Yields
Income, Expenses and Yields--Page 3 10/8/10 10:16
12/31/2008 12/31/2009 6/30/2010
BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT
1.9 1.53 80 1.99 1.45 87 1.76 1.45 78
0.66 0.4 91 0.69 0.39 95 0.63 0.38 91
1.52 0.93 90 1.44 1.09 82 1.36 1.03 834.08 2.91 89 4.12 2.97 89 3.75 2.88 87
2.82 2.06 87 2.68 2.18 78 2.5 2.14 74
76.07 66.05 78 78.53 71.43 72 70.63 67.78 60
61.51 60.94 57 71.75 62.11 78 66.88 62.7 67
3.14 4.39 21 3.69 4.6 34 3.82 4.59 38
6.33 6.77 20 5.13 6.06 5 5.21 5.93 9
6.33 6.75 21 5.09 6.04 4 5.19 5.91 9
6.27 6.69 20 4.84 5.99 3 4.86 5.85 4
7.36 6.72 75 5.21 6.09 17 5.18 5.88 206.01 6.72 13 4.65 5.94 3 4.69 5.84 5
6.43 6.84 35 5.51 6.03 31 5.45 6.02 29
6.33 8.16 13 5.42 7.76 8 8.29 7.68 68
N/A 9.51 N/A N/A 9.18 N/A N/A 9.71 N/A
6.16 7.01 20 5.61 6.27 29 6.22 6.21 54
N/A 6.44 N/A N/A 6.56 N/A N/A 6.28 N/A
5.41 5.02 77 5.58 4.44 90 6.07 3.92 97
5.41 4.67 91 5.06 4.13 90 5.2 3.57 96
7.43 4.57 98 N/A 3.57 N/A 1.05 2.83 7
5.14 4.99 62 5.46 4.58 88 5.84 4.04 95
5.55 4.27 90 4.22 4.1 60 4.33 3.97 71
4.57 2.22 91 3.03 0.63 92 0.22 0.41 403.77 2.1 96 0.09 0.24 12 133.33 0.2 99
2.17 2.87 17 1.33 1.98 15 0.93 1.48 14
0.6 1.09 27 0.16 0.66 10 0.11 0.56 7
0.89 1.56 13 0.5 0.92 18 0.42 0.74 21
3.56 3.95 19 2.65 2.79 39 1.38 2.1 8
4.07 3.97 59 2.83 2.89 45 2.3 2.2 60
N/A 2.1 N/A N/A 0.81 N/A N/A 0.58 N/A
1.77 2.32 25 0.39 0.91 26 0.37 0.81 30
8/8/2019 Income Analysis 2010
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2.21 3.67 8 2.52 3.13 27 3.17 2.99 41
N/A 5.33 N/A N/A 4.68 N/A N/A 4.79 N/A
2.13 2.94 12 1.27 2.07 11 0.95 1.59 12
1,481 1,336 520
6,123 6,455 2,4850 0 0
250 0 41
13 10 3
495 470 231
422 1,282 442
24 111 101
1,280 1,468 1,086
10,088 11,132 4,909
15,192 15,355 6,922
5,277 5,341 2,471
0 0 0
874 864 42811,323 10,247 4,906
32,666 31,807 14,727
26 25 25
0 0 0
29,850 31,609 31,595
K AND TRUST COMPA INDIANAPOLIS, IN Balance Sheet $
eet $--Page 4 10/8/10 10:16
12/31/2008 12/31/2009 6/30/2010
366,336 368,760 376,194
169,785 169,592 150,009
14,381 16,274 15,690
43,226 41,806 43,910
3,493 2,138 0
N/A N/A N/A
316 341 221
596,905 598,229 585,582
9,658 9,552 11,854
587,563 589,018 573,94979,804 65,556 68,781
38,891 49,549 49,298
0 0 0
13,509 11,249 11,919
88 821 27,174
0 0 0
0 0 0
132,292 127,175 157,172
719,855 716,193 731,121
8/8/2019 Income Analysis 2010
17/31
20,977 27,620 14,914
17,609 20,499 19,995
3,635 8,027 7,692
0 0 0
0 0 0
14,048 17,909 16,166
776,124 790,248 789,888769,754 783,715 784,087
35,357 49,651 31,241
18,640 9,904 16,126
71,567 117,153 121,961
224,086 242,431 232,701
137,822 124,064 129,493
487,472 543,203 531,522
71,170 88,220 90,559
0 0 0
558,642 631,422 622,08197,879 64,359 68,608
0 0 0
44,121 19,901 19,898
0 0 0
0 0 0
5,750 3,336 3,714
706,392 719,018 714,301
0 0 0
69,732 71,230 75,587
776,124 790,248 789,888
2 1 1
2,934 936 916
4,853 3,966 3,395
127,351 122,388 126,603
348 20,610 18,748
K AND TRUST COMPA INDIANAPOLIS, IN Balance Sheet %
eet Percentage Composition--Page 6 10/8/10 10:16
12/31/2008 12/31/2009 6/30/2010BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT
0.03 0.12 56 0.04 0.18 53 0.05 0.15 57
75.15 72.22 55 77.37 70.54 70 75 67.99 70
0.98 0.92 63 1.24 1.13 66 1.37 1.25 65
74.2 71.59 54 76.17 69.85 69 73.68 67.18 69
0.03 0.59 25 0.06 2.35 15 2.31 3.93 44
0 1.46 12 0.26 1.19 33 0 0.93 35
0 0.09 95 0 0.04 97 0 0.02 97
8/8/2019 Income Analysis 2010
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0.65 1.16 70 0.57 1.09 69 0.46 0.97 70
18.05 14.83 66 15.62 15.23 57 15.59 16.16 53
92.94 91.87 64 92.68 91.87 60 92.04 91.59 54
2.71 2.37 68 2.24 2.03 64 2.22 1.82 72
2.15 1.92 61 2.49 1.88 71 2.58 1.85 74
0.3 0.24 68 0.73 0.52 69 1 0.73 690 0 91 0 0 91 0 0 94
0 0 88 0 0 86 0 0 87
1.9 3.25 21 1.86 3.26 19 2.16 3.48 22
7.06 8.13 35 7.32 8.13 39 7.96 8.41 45
100 100 99 100 100 99 100 100 99
2.23 0.59 94 2.46 0.47 97 2.98 0.41 98
4.79 6.46 39 4.67 6.33 39 4.74 6.62 39
2.31 3.97 35 1.97 4.48 26 1.81 4.88 22
8.17 15.59 29 12.68 15.58 46 15.37 16.51 5328.21 11.53 90 29.93 11.92 91 29.94 12.78 88
19.43 22.56 36 18.17 22.28 34 15.93 20.61 32
62.9 63.75 43 67.42 64.22 63 67.79 65.29 58
10.48 15.79 23 9.95 16.98 14 11.74 17.17 25
0 0.21 98 0 0.11 98 0 0.08 99
73.38 80.38 15 77.37 81.88 23 79.53 83.18 25
10.36 1.95 96 10.07 1.53 96 8.19 1.33 95
4.36 5.71 43 2.9 4.93 37 2.53 4.02 41
0 0.11 59 0 0.14 59 0 0.06 66
19.37 20.36 49 18.11 20.53 44 17.69 18.21 51
0.66 0.74 46 0.66 0.69 52 0.44 0.62 35
88.76 90.45 18 91 90.62 52 90.69 90.43 50
0 0 93 0 0 94 0 0 94
11.24 9.49 82 9 9.32 49 9.31 9.51 50
100 100 97 100 100 96 100 100 96
1.6 4.2 49 0.96 4.97 39 2.9 3.94 57
1.6 3.84 52 0.09 3.98 32 3.03 3.59 60
0.05 0.17 56 0.05 0.26 53 0.07 0.23 55
K AND TRUST COMPA INDIANAPOLIS, IN Allowance & Loan Mix-a
Credit Allowance and Loan Mix--Page 7 10/8/10 10:16
12/31/2008 12/31/2009 6/30/2010
BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT
1.4 0.62 85 0.7 1.12 45 0.76 0.69 67
8/8/2019 Income Analysis 2010
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21.94 30.09 49 4.59 17.37 23 23.19 9.5 85
1.57 0.53 89 0.91 1.12 56 0.24 0.84 28
1.7 0.58 89 0.99 1.19 56 0.47 0.94 42
0.13 0.05 88 0.08 0.06 70 0.24 0.07 89
1.62 1.43 72 1.6 1.87 47 2.02 1.9 64
1.62 1.42 72 1.6 1.85 48 2.02 1.88 651.01 5.96 8 1.74 3.28 41 8.49 5.35 80
0.41 1.69 15 0.52 1.14 31 0.46 1.17 25
1.08 9.99 16 1.42 4.74 36 7.89 7.94 69
0.11 0.39 38 1.28 0.96 71 0.07 0.76 22
N/A 0 N/A N/A 0.27 N/A N/A 0.16 N/A
0 0.86 40 2.96 2.44 66 1.57 1.93 64
0 0.81 58 6.34 2.33 82 3.29 1.37 80
0 0.71 54 2.38 2.11 67 0.21 1.76 55
0 0 92 0 0.02 86 0 0.02 880.38 0.26 73 0.46 0.65 58 -0.46 0.58 0
0.28 0.15 78 0.48 0.43 68 0.55 0.35 77
0.57 0.25 81 0.64 0.69 65 -2.97 0.57 0
0 0.05 88 0 0.27 78 0 0.21 83
0 0.12 51 1.02 0.35 85 -0.03 0.35 3
0 0.08 66 0.38 0.27 74 0 0.24 56
0 0.1 69 1.4 0.34 87 -0.07 0.33 2
N/A 0 N/A N/A 41.84 N/A N/A -1.69 N/A
0 0.01 85 0 0.05 78 0 0.03 84
5.66 0.7 97 0.34 1.44 30 0.78 0.98 60
N/A 0.14 N/A N/A 0.41 N/A N/A 0.07 N/A1.46 0.86 79 1.23 1.23 60 0.33 0.86 41
N/A 2.42 N/A N/A 3.12 N/A N/A 2.73 N/A
0 0.27 66 -0.05 0.44 5 0 0.2 70
N/A 0 N/A N/A 0 N/A N/A 0 N/A
8,016 9,658 9,552
10,294 5,960 1,389
0 0 0
764 473 6919,530 5,487 698
11,172 5,381 3,000
0 0 0
9,658 9,552 11,854
605,486 600,336 585,474
8/8/2019 Income Analysis 2010
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K AND TRUST COMPA INDIANAPOLIS, IN Concentrations of Credit
Concentrations of Credit--Page 7B 10/8/10 10:16
12/31/2008 12/31/2009 6/30/2010
BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT
154.4 111.46 71 85.53 84.9 58 84.82 70.1 65
0.79 29.45 6 39.06 17.88 83 34.41 13.46 87153.61 78.36 82 46.48 63.5 45 50.41 53.39 56
138.58 174.56 39 168.83 180.48 47 164.26 173.06 49
87.22 26.28 94 113.93 27.47 96 112.71 26.15 97
191.42 279.53 22 215.95 291.17 27 217.88 286.37 28
6.56 17.8 49 6.92 19.7 48 7.99 19.89 50
15.28 17.73 52 34.79 20.53 79 43.39 20.38 85
169.59 230.39 29 174.24 237.86 31 166.51 233.1 30
38.37 112.74 11 100.2 118.68 41 106.92 115.79 46
131.22 112.49 63 74.04 115.67 31 59.59 114.5 24
484.4 591.04 28 470.32 569.34 30 466.96 541.4 35
0 0.77 95 0 0.68 95 0 0 9457.16 9.98 90 53.32 11.06 88 54.5 10.96 89
204.64 104.14 90 210.31 97.31 91 180.51 91.36 89
19.02 27.2 46 20.76 26.03 51 19.48 23.99 51
0 0.48 67 0 0.5 69 0 0.45 69
19.87 3.25 93 5.99 3.65 73 5.69 3.45 73
0 0.42 99 0 0.24 99 0 0.25 99
4.62 2.3 79 2.73 2.05 75 0 2.05 16
0 0.44 79 0 0.34 80 0 0.31 80
0 0.04 99 0 0 99 0 0.01 99
0 1.05 71 0 0.99 70 0 0.94 70
300.9 260.06 62 194.37 233.5 43 187.8 217.05 45
339.27 380.09 43 294.56 356 38 294.72 335.84 43
19.55 14.47 70 11.2 11.33 54 11.66 9.82 64
38.1 33.71 61 25.46 31.41 37 25.83 30.58 40
42.96 49.54 36 38.59 48.38 28 40.53 47.99 33
0 0.91 33 0 0.62 41 N/A 0 N/A
0 0.05 84 0 0.02 85 N/A 0 N/A
3 0.91 83 2.16 0.36 90 N/A 0 N/A
3 1.08 81 2.16 0.46 88 N/A 0 N/A
0 0.69 45 0 0.46 50 N/A 0 N/A
60 13 19
8/8/2019 Income Analysis 2010
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23,797 12,463 5,027
23,857 12,476 5,046
5,857 378 566
0 0 0
0 0 0
0 0 0
0 N/A N/A
275 280 250
2,389 N/A N/A
3,635 1,225 909
12/31/2008 12/31/2009 6/30/2010
BANK PG 3 PCT BANK PG 3 PCT BANK PG 3 PCT
8.43 8 55 8.27 8 61 7.59 7 59
0 0.02 94 0 0.01 94 0 0 94
0 0 94 0 0 94 0 0 94356.59 380.73 47 297.21 360.01 41 278.05 333.7 41
-26.61 5.52 6 2.56 0.43 41 5.54 5.33 43
11.04 4.46 86 0 2.8 32 0 2.11 48
-37.65 0.24 4 2.56 -3.01 57 5.54 2.36 63
N/A 58 N/A 0 49 17 0 27 38
8.98 9.25 52 9.01 9.23 49 9.57 9.66 52
-33.92 5 4 2.15 5 34 14.13 6 79
-26.95 -4.33 7 0.33 -0.64 50 9.75 2 77
0.71 0 89 1.13 0 90 1.12 0 90
0 3.38 58 0 2.31 63 0 2.21 63
0 0.02 97 0 0.02 97 0 0.03 97
6 1 95 4.67 0 94 3.83 0 94
6.7 4.58 72 5.8 3.5 73 4.96 3.34 71
9.96 11 35 10.23 12 27 11.02 13 31
11.2 13 35 11.48 13 26 12.28 14 29
8.78 9 58 8.95 9 59 9.25 9 60
0 3 36 0 2 40 0 2 44
0 0 0
0 3,837 3,904
30,992 57,580 49,887
30,992 61,417 53,791
0 0 0
8/8/2019 Income Analysis 2010
22/31
676,158 683,540 659,346
1,289 1,009 3,609
0 0 0
0 0 0
674,870 682,532 655,738
4.58 2.63 79 4.35 4.27 60 5.67 4.5 69
8/8/2019 Income Analysis 2010
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Percent Change1 Quarter 1 Year
-3.72 -8.42
1.01 -3.53
-10.91 -34.74
0.24 18.06
-6.16 -59.1
N/A N/A
N/A -6.81
-2.72 -8.29
-24.76 -31.04
-2.35 -7.95-0.85 55.57
0.82 614.25
N/A N/A
0.07 341.94
1.26 74.64
N/A N/A
8/8/2019 Income Analysis 2010
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79.42 -0.66
-0.12 -9.63
52.62 64.58
-8.28 -1.23
-0.72 2.652.19 2.9
5.33 6.45
-1.6 -6.97
46.89 N/A
2.84 -8.06
-0.57 -4.74
3.94 1.29
-10.3 18.14
N/A N/A
0.51 4.5
-3.23 -44.53
-0.48 -78.32
N/A N/A
N/A N/A
17.66 8.44
-0.86 2.78
N/A N/A
0.42 1.61
-0.72 2.65
-6.76 731.7
-4.68 -28.42
-0.2 116.46
22.09 -1.97
8/8/2019 Income Analysis 2010
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8/8/2019 Income Analysis 2010
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