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B00 -- Financial Reports, For Quarter Ending 12/31/19 First Bank 2009 B01: B02: B05: B06: Mon Feb 11 10:02:36 2013 Bank S1 Balance Sheet -- Page 2 Income Statement -- Page 3 Risk Management Summary -- Page 4 Funds Management -- Page 5 B10: Security Maturities and Portfolio Activity -- Page 6 B12: Security Portfolio -- Page 7 B20: Loan Activity -- Page 8 B22: Loan Profitability and Performance -- Page 9 B24: Loan Decisions -- Page 10 B40: Deposit Activity and Performance -- Page 11 B44: Deposit and Marketing Decisions -- Page 12 B64: Treasury Managment, Dividends and Forecast Earnings C91: C92: C93: C94: C95: C96: -- Page 13 Bank Balance Sheets -- Page 14 Income Statements -- Page 15 Community Loan and Deposit Markets -- Page 16 Community Bank Capital Activity -- Page 17 Economic Charts -- Page 18 Economic Reporter -- Page 19 -----------------------------------------------------------------------------------------------------------------------| 'BankExec' is a product and a protected mark of the American Bankers Association. Released Feb 11, 2013. | | | ------------------------------------------------------------------------------------------------------------------------ Financial Reports For Quarter Ending 12/31/19 Bank S1 === B00 === Page 1 B01 -- Balance Sheet, as of 12/31/19 First Bank 2009 Mon Feb 11 10:02:36 2013 Bank S1 4 Qtr. Average ========= 34.9 2.2 73.4 | YTD | | ----------------- For Quarters Ending ----------------------| Average | | 12/31/19 | 9/30/19 | 6/30/19 | 3/31/19 | ========= | ========== Assets ============ | ============= | ============= | ============= | ============= | 34.9 | Cash Items | 38.162 | 35.842 | 33.729 | 31.740 | 2.2 | Fed Funds Sold | 0 | 0 | 0 | 8.611 | 73.4 | Securities | 64.837 | 75.386 | 76.109 | 77.392 | | | | | | 547.5 | 547.5 | Loans (Net) | 604.480 | 564.919 | 531.880 | 488.791 179.8 | 179.8 | Business | 217.663 | 188.539 | 162.549 | 150.465 285.1 | 285.1 | Real Estate | 300.068 | 293.671 | 287.899 | 258.578 88.2 | 88.2 | Consumer | 92.856 | 88.415 | 86.805 | 84.686 0 | 0 | Other | 0 | 0 | 0 | 0 -5.5 | -5.5 | Loan Loss Reserve | -6.106 | -5.706 | -5.373 | -4.937 15.5 | 15.5 | Premises | 15.462 | 15.458 | 15.454 | 15.451 32.2 | 32.2 | Other Assets | 34.386 | 32.899 | 31.534 | 29.966 --------- | --------- | ------------------------------ | ------------- | ------------- | ------------- | ------------705.6 | 705.6 | Total Assets | 757.327 | 724.503 | 688.706 | 651.952 ========= 623.6 143.2 226.0 217.7 36.6 | ========= | === Liabilities and Equity === | ============= | ============= | ============= | ============= | 623.6 | Total Deposits | 671.270 | 638.494 | 606.605 | 578.068 | 143.2 | Checking Accounts | 158.938 | 147.942 | 137.812 | 128.267 | 226.0 | Savings Accounts | 241.252 | 229.933 | 220.872 | 211.932 | 217.7 | Time Accounts | 233.944 | 223.815 | 211.447 | 201.721 | 36.6 | Certificates of Deposit | 37.137 | 36.804 | 36.474 | 36.147 | | | | | | 6.8 | 6.8 | Borrowed Funds | 9.491 | 10.354 | 7.494 | 0 0 | 0 | Repurchase Agreements | 0 | 0 | 0 | 0 6.8 | 6.8 | Fed Funds Purchased | 9.491 | 10.354 | 7.494 | 0 0 | 0 | FHLB Borrowing | 0 | 0 | 0 | 0 26.7 | 26.7 | Other Liabilities | 28.973 | 27.358 | 26.003 | 24.426 0 | 0 | Capital Notes | 0 | 0 | 0 | 0 | | | | | | 48.5 | 48.5 | Owners Equity | 47.594 | 48.297 | 48.603 | 49.458 --------- | --------- | ------------------------------ | ------------- | ------------- | ------------- | ------------705.6 | 705.6 | Total Liab & Equity | 757.327 | 724.503 | 688.706 | 651.952 ========= -.66 87.80 .65 .38 88.31 83.18 79.55 .97 14.10 6.87 | ========= | ========== Ratios (%) ======== | -.66 | Net Liquid Assets / Assets | 87.80 | Loans / Deposits | .65 | Non-Performing Loans / Loans | .38 | Charge-offs / Average Loans | | | 88.31 | Earning Asset / Total Assets | 83.18 | Core Deposits / Total Assets | 79.55 | Int Bear Liab / Total Assets | | | .97 | Borrowed Funds / Total Assets | 14.10 | Fed Funds Purch / Tot Capital | 6.87 | Owners Equity / Total Assets | ============= | ============= | ============= | ============= | 1.38 | 2.69 | 1.78 | 4.33 | 90.05 | 88.48 | 87.68 | 84.56 | .64 | .65 | .68 | .64 | .39 | .42 | .42 | .29 | | | | | 88.38 | 88.38 | 88.28 | 88.17 | 83.73 | 83.05 | 82.78 | 83.12 | 80.60 | 79.98 | 79.21 | 78.21 | | | | | 1.25 | 1.43 | 1.09 | 0 | 19.94 | 21.44 | 15.42 | 0 | 6.28 | 6.67 | 7.06 | 7.59 Balance Sheet as of 12/31/19 Bank S1 === B01 === Page 2 B02 -- Income Statement, as of 12/31/19 First Bank 2009 Last Four Quarters 40.938 37.266 11.120 18.533 7.613 0 2.653 .932 .088 -----------19.655 .229 6.525 11.495 1.313 .094 0 0 0 21.283 -----------10.472 3.228 -----------22.447 15.159 .400 6.888 6.080 -----------1.972 2.608 ============ 5.443 2.722 ============ 6.57 3.50 3.07 3.42 3.02 3.18 1.70 .86 .77 11.23 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Year to Date Quarters 40.938 37.266 11.120 18.533 7.613 0 2.653 .932 .088 -----------19.655 .229 6.525 11.495 1.313 .094 0 0 0 21.283 -----------10.472 3.228 -----------22.447 15.159 .400 6.888 6.080 -----------1.972 2.608 ============ 5.443 2.722 ============ 6.57 3.50 3.07 3.42 3.02 3.18 1.70 .86 .77 11.23 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mon Feb 11 10:02:36 2013 Interest Income Loans Business Real Estate Consumer Other Securities: Taxable Income Securities: Tax-exempt Income Federal Funds Sold -------------------------------Interest Expense Checking Accounts Savings Accounts Time Accounts Certificates of Deposit Borrowed Funds FHLB Borrowing Capital Notes Net Interest on Swaps Net Interest Income -------------------------------Service Charges & Other Income Loan Loss Provision -------------------------------Operating Expenses Salaries and Benefits Advertising - Promotion Occupancy & Other Op.Expenses Operating Earnings -------------------------------Gains/Losses on Asset Sales Income Taxes ================================ Net Income Earnings Per Share ================================ Interest Income/Earning Assets Interest Expense/Int-bear Liab Spread Net Interest Inc/Earning Assets Net Interest Inc/Total Assets Operating Expense/Total Assets Net Non-Int Exp/Total Assets Operating Earning/Total Assets Net Income/Total Assets Net Income/Owners Equity Income Bank S1 ------------------- For Quarters Ending ------------------| 12/31/19 | 9/30/19 | 6/30/19 | 3/31/19 | 10.859 | 10.371 | 9.859 | 9.849 | 10.076 | 9.452 | 8.904 | 8.834 | 3.468 | 2.865 | 2.395 | 2.392 | 4.857 | 4.784 | 4.566 | 4.326 | 1.751 | 1.803 | 1.944 | 2.115 | 0 | 0 | 0 | 0 | .527 | .662 | .732 | .732 | .256 | .256 | .210 | .210 | 0 | .001 | .013 | .074 | ------------ | ------------ | ------------ | -----------| 5.557 | 5.003 | 4.662 | 4.433 | .104 | .047 | .042 | .037 | 1.924 | 1.601 | 1.536 | 1.464 | 3.152 | 2.989 | 2.746 | 2.608 | .333 | .330 | .327 | .324 | .045 | .036 | .012 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.301 | 5.368 | 5.197 | 5.416 | ------------ | ------------ | ------------ | -----------| 2.381 | 2.469 | 2.688 | 2.934 | .969 | .909 | .966 | .384 | ------------ | ------------ | ------------ | -----------| 6.156 | 5.480 | 5.429 | 5.382 | 4.327 | 3.710 | 3.595 | 3.528 | .100 | .100 | .100 | .100 | 1.729 | 1.670 | 1.735 | 1.754 | .557 | 1.449 | 1.490 | 2.584 | ------------ | ------------ | ------------ | -----------| 0 | -.002 | 0 | 1.973 | .122 | .441 | .471 | 1.575 | ============ | ============ | ============ | ============ | .436 | 1.006 | 1.019 | 2.982 | .218 | .503 | .509 | 1.491 | ============ | ============ | ============ | ============ | 6.68 | 6.69 | 6.67 | 7.03 | 3.77 | 3.58 | 3.53 | 3.59 | 2.92 | 3.11 | 3.14 | 3.44 | 3.26 | 3.46 | 3.52 | 3.86 | | | | | 2.88 | 3.06 | 3.10 | 3.41 | 3.35 | 3.12 | 3.24 | 3.39 | 2.05 | 1.71 | 1.64 | 1.54 | .30 | .82 | .89 | 1.63 | | | | | .24 | .57 | .61 | 1.88 | 3.66 | 8.33 | 8.39 | 24.12 Statement as of 12/31/19 Bank S1 === B02 === Page 3 B05 -- Risk Management Summary, as of 12/31/19 First Bank 2009 Total 12/31 -----------Amt Inc/Exp ==== Assets ========================== ====== Federal Funds Sold 0 0 64.9 .8 Business Loans 217.7 3.5 Real Estate Loans 300.1 4.9 92.9 1.8 Securities (Book Value) Consumer Loans Other Loans All Other Assets 0 0 81.9 ----- -----Total 757.4 10.9 ==== Liabilities and Equity ================= Federal Funds Borrowed 9.5 .0 Repos 0 0 FHLB Borrowing 0 0 Certificates of Deposit 37.1 .3 Checking and Savings * 400.2 2.0 Time Accounts 233.9 3.2 Capital Notes Equity & Other Liabilities 0 0 76.6 ----- -----757.3 5.6 Total ==== Summary Positions ====================== Net Balance Sheet Position ( A - L ) 5.3 Fixed Rate Swaps 0 Variable Rate Swaps 0 --------------------------------------------Interest Rate Gap 5.3 --------------------------------------------Interest Rate Gap / Assets ( % ) .7 * ? | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mon Feb 11 10:02:36 2013 Estimated Interest Rate Sensitivity -------------------------------------| | 3 & 4 | 1-4 | Over 1 1 Qtr | 2 Qtr | Qtr | Qtr | Year ===== | ===== | ===== | ===== | ====== | | | | 0 | | | 0 | | | | | 0 | 9.9 | 10.0 | 19.9 | 45.0 | | | | 217.7 | | | 217.7 | | | | | 23.9 | 10.1 | 47.8 | 81.8 | 218.2 | | | | 18.4 | 11.9 | 11.3 | 41.5 | 51.3 | | | | 0 | | | 0 | | | | | 81.9 ----- | ----- | ----- | ----- | -----259.9 | 31.9 | 69.1 | 360.9 | 396.5 ===== | ===== | ===== | ===== | ====== | | | | 9.5 | | | 9.5 | | | | | 0 | | | 0 | | | | | 0 | 0 | 0 | 0 | 0 | | | | 20.6 | 16.5 | 0 | 37.1 | | | | | 187.2 | | | 187.2 | 213.0 | | | | 62.4 | 6.1 | 23.2 | 91.7 | 142.2 | | | | | | | | 0 | | | | 76.6 ----- | ----- | ----- | ----- | -----279.7 | 22.7 | 23.2 | 325.6 | 431.7 | | | | ===== | ===== | ===== | ============== -19.8 | 9.3 | 45.9 | 35.4 | -35.3 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 ----- | ----- | ----- | ----- | ------19.8 | 9.3 | 45.9 | 35.4 | -35.3 ----- | ----- | ----- | ----- | ------2.6 | 1.2 | 6.1 | 4.7 | -4.7 || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || || Liquidity -------------First | 2 - 90 Day | Days ===== | ====== | 0 | | 0 | | | 27.9 | | 12.1 | | 15.2 | | 0 | ----- | -----0 | 55.2 ===== | ====== | 9.5 | | 0 | | 0 | | 20.6 | | | 21.7 | | 18.6 | | | ----- | -----30.1 | 40.3 | ===== | ====== -30.1 | 14.9 Bank S1 || Risk Assets || -------------|| | || (%) | Amount || ===== | ====== || | || | 0 || | || 11 | 7.0 || | || 94 | 205.0 || | || 82 | 246.5 || | || 100 | 92.9 || | || 100 | 0 || 61 | 49.8 || ----- | -----|| 79 | 601.2 || || || || || || || || || || || || || || || || || || || || || Equity / Risk Assets Total Capital? /Risk Asst Interest rate sensitivities for checking, and savings are estimates. Total Capital consists of equity ( 47.6) plus loan loss reserve ( 6.1) plus capital notes ( Risk Management Summary as of 12/31/19 Bank S1 0). === B05 === 7.92% 8.93% Page 4 B06 -- Funds Management, For Quarter Ending 12/31/19 First Bank 2009 Mon Feb 11 10:02:36 2013 Bank S1 | First || Funds for Quarter || | First || Funds Forecast || Beginning | Day || ----------------- || Ending | Day || ----------------- || Forecast Balance | Activity || Provided | Used || Balance | Activity || Provided | Used || Balance ================================== | ======== || ======== | ====== || ==================================================== | || | || | || | || Securities (Book Value) 74.8 | -10.0 || | .1 || 64.9 | ______ || | || _______ | || | || | || | || Loans (Net) 564.9 | 0 || | 39.6 || 604.5 | ______ || ______ | ____ || _______ | || | || | || | || Other Assets 84.2 | || | 3.8 || 88.0 | || ______ | ____ || _______ | || | || | || | || ------------------------------- | -------- || -------- | ------ || ---------------------------------------------------| || | || | || | || Repos 0 | 0 || | || 0 | ______ || | || _______ | || | || | || | || Corporate CDs 36.8 | 0 || .3 | || 37.1 | ______ || | || _______ | || | || | || | || FHLB Borrowing 0 | 0 || | || 0 | ______ || | || _______ | || | || | || | || Customer Deposits 601.7 | || 32.4 | || 634.1 | || ______ | ____ || _______ | || | || | || | || Other Liabilities 27.4 | || 1.6 | || 29.0 | || ______ | ____ || _______ | || | || | || | || Capital Notes 0 | 0 || | || 0 | ______ || | || _______ | || | || | || | || Owner's Equity 48.3 | 0 || | .7 || 47.6 | ______ || ______ | ____ || _______ | || | || | || | || =============================== | ======== || ======== | ====== || ==================================================== | || | || | || | || Net Position: 9.8 | -10.0 || 34.4 | 44.2 || 9.6 | ______ || ______ | ____ || _______ | || | || | || | || ==== Funds Positions ============= | ======== || ================= || ==================================================== | || || | || || Fed Funds Sold 0 | 0 || || 0 | ______ || || _______ | || || | || || Fed Funds Borrowed 10.4 | .9 || || 9.5 | ______ || || _______ | || || | || || ==== Funds Interest Income and Expenses ================================================================================== | | Federal Funds Sold 0 | | Federal Funds Borrowed .05 | | Repos 0 | | Total: .05 Funds Management For Quarter Ending 12/31/19 Bank S1 === B06 === Page 5 B10 -- Security Maturities and Portfolio Activity, as of 12/31/19 First Bank 2009 Mon Feb 11 10:02:36 2013 Bank S1 ============ Purchase Securities ================= | ========================= Maturities (Book Value) =================== Security Amount Maturity in | Qtrs to Maturity | | Total | | Treasury | Agency** | TaxExempt Type (Par,Mil) Quarters | ================= | | ========= | | ========= | ========= | ========= | Maturing | | 0 | | 0 | 0 | 0 | | | | | | | -- --- --- -- -| 1 | | 9.9 | | 9.9 | 0 | 0 | 2 | | 0 | | 0 | 0 | 0 | 3 | | 10.0 | | 10.0 | 0 | 0 -- --- --- -- -| 4 | | 0 | | 0 | 0 | 0 | | | | | | | | 5 - 6 | | 0 | | 0 | 0 | 0 -- --- --- -- -| 7 - 8 | | 10.0 | | 0 | 10.0 | 0 | 9 - 12 | | 0 | | 0 | 0 | 0 | 13 - 20 | | 10.0 | | 10.0 | 0 | 0 -- --- --- -- -| 21 - 30 | | 0 | | 0 | 0 | 0 | 31 - 40 | | 5.0 | | 0 | 0 | 5.0 | | | | | | | -- --- --- -- -| Over 40 | | 20.0 | | 0 | 0 | 20.0 | ================= | | ========= | | ========= | ========= | ========= | Total | | 64.9 | | 29.9 | 10.0 | 25.0 -- --- --- -- -| BL: Bills, BD: Bonds, AG: Agencies, | ========================= Portfolio Activity (Book Value) =========== SV, SF: Variable, Fixed Rate Swaps, | | | Total | | Treasury | Agency | TaxExempt TE: Bank qualified Tax-Exempt bonds. | ================= | | ========= | | ========= | ========= | ========= $5 million available, | Beginning Balance | | 74.8 | | 29.8 | 20.0 | 25.0 60 quarters maturity at 4.03%. | ================= | | ========= | | ========= | ========= | ========= Taxable-equivalent yield is 5.97%. | Less: Matured | | 10.0 | | 0 | 10.0 | 0 Note: Maximum bill maturity is 4 quarters. | Sales * | | 0 | | 0 | 0 | 0 | | | | | | | ================================================== | Plus: Interest | | .1 | | .1 | | Maturity Treasuries Agencies Swaps | Purchases | | 0 | | 0 | 0 | 0 -------------------------------| ================= | | ========= | | ========= | ========= | ========= 1 3.59 3.66 | Ending Balance | | 64.9 | | 29.9 | 10.0 | 25.0 2 4.17 4.25 4.68 | ================= | | ========= | | ========= | ========= | ========= 3 4.53 4.62 5.04 | * Gain/Loss(-) | | 0 | | 0 | 0 | 0 4 4.75 4.84 5.27 | | ** Quarters to call is used when call is likely. 6 4.97 5.07 5.50 | 8 5.07 5.24 5.61 | 10 5.11 5.29 5.66 | Commercial Paper Rate is 4.26 percent. 12 5.12 5.32 5.68 | | Impact of Securities Portfolio Gain/Loss on Owners Equity: 20 5.15 5.38 5.75 | 12/31/19 9/30/19 30 5.16 5.44 5.81 | 40 5.16 5.50 5.86 | Common Stock + Retained Earnings 47.666 47.731 60 5.17 5.60 5.97 | Gain/Loss in Portfolio (B12) -.073 .566 (Not Incl. TE) 80 5.17 5.70 6.07 | --------------------------------- --------- ---------120 5.17 5.90 | Owners Equity (B01) 47.594 48.297 Security Maturities and Portfolio Activity as of 12/31/19 Bank S1 === B10 === Page 6 B12 -- Security Portfolio, as of 12/31/19 First Bank 2009 Security Number ============= Bills: 122 Total ------------Bonds: 129 | Sale Amnt | (Par,Mil) | ========= | | -- -| | --------| | -- -| 102 | -- -Total | ------------- | --------Agencies: | 106 | -- -Total | ------------- | --------Tax Exempts: | 108 | -- -| 121 | -- -| 128 | -- -| 130 | -- -| 126 | -- -Total | ------------- | --------Swaps Fixed: | Total | ------------- | --------Swaps Var: | Total | ========================= Grand Total of 9, 32 Max | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mon Feb 11 10:02:36 2013 -------- Value ------- | Gain or | Mat, | Call, | Coupon | Yield to Par | Market | Book | Loss | Qtrs | Qtrs | Rate | Maturity ====================== | ======== | ===== | ===== | ======= | ======== | | | | | 10 9.911 9.910 | .001 | 1 | | 4.90 | 3.59 10 9.911 9.910 | .001 | | | | ---------------------- | -------- | ----- | ----- | ------- | -------| | | | | 10 9.681 10.000 | -.319 | 16 | | 4.25 | 5.14 | | | | | 10 10.163 10.000 | .163 | 3 | | 6.75 | 4.53 20 19.844 20.000 | -.156 | | | | ---------------------- | -------- | ----- | ----- | ------- | -------| | | | | 10 10.082 10.000 | .082 | 8 | | 5.60 | 5.17 10 10.082 10.000 | .082 | | | | ---------------------- | -------- | ----- | ----- | ------- | -------| | | | | 5 5.383 5.000 | .383 | 32 | | 5.00 | 3.88 | | | | | 5 5.008 5.000 | .008 | 41 | | 3.95 | 3.93 | | | | | 5 4.769 5.000 | -.231 | 56 | | 3.58 | 4.01 | | | | | 5 4.847 5.000 | -.153 | 58 | | 3.74 | 4.02 | | | | | 5 5.123 5.000 | .123 | 55 | | 4.24 | 4.01 25 25.130 25.000 | .130 | | | | ---------------------- | -------- | ----- | ----- | ------- | -------| | | | | 0 0 0 | 0 | | | | ---------------------- | -------- | ----- | ----- | ------- | -------| | | | | 0 0 0 | 0 | | | | ====================== | ======== 65 64.967 64.910 | .057 | -.073 ( excluding Tax Exempt Gain/Loss ) ------------------------ Beginning of Quarter Sales -------------------------- | Security ID | Maturity | Amount | Gain or Loss | Percent of Holding | ------------- | ---------- | -------- | -------------- | --------------------- | No securities were purchased or sold. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Bank S1 Call/TE | DuraYield | tion ======== | ====== | | 1 | -------- | -----| | 15 | | 3 | -------- | -----| | 8 | -------- | -----| 5.75 | 27 | 5.83 | 34 | 5.96 | 44 | 5.97 | 45 | 5.95 | 42 | -------- | -----| | -------- | -----| | | -- Beginning of Quarter Purchases --| Security ID | Maturity | Amount | ------------- | ---------- | -------- Security Portfolio as of 12/31/19 Bank S1 === B12 === Page 7 B20 -- Loan Activity, For Quarter Ending 12/31/19 First Bank 2009 Beginning Balance =================================== Business Credit Lines 129.818 Business Term Loans 58.721 ------------------------------Total Business 188.539 =================================== Commercial Real Estate 194.948 Residential Mortgage (FR) 98.722 ------------------------------Total Real Estate 293.671 =================================== Installment Loans 88.415 ------------------------------Total Consumer 88.415 =================================== Total Loans 570.625 | | | | | | | | | | | | | | | | | | | | | | | | New Loans ========== 18.641 11.807 ---------30.448 ========== 5.249 14.806 ---------20.055 ========== 17.810 ---------17.810 ========== 68.314 Mon Feb 11 10:02:36 2013 | | | | | | | | | | | | | | | | | | | | | | | | Net Principal Payments ========== -5.989 7.059 ---------1.070 ========== 7.077 6.351 ---------13.428 ========== 13.285 ---------13.285 ========== 27.784 | | | | | | | | | | | | | | | | | | | | | | | | | Loan | Charge Sales | Offs ========= | ========= | .219 | .035 --------- | --------| .254 | ========= | ========= | 0 | .198 | 0 | .033 --------- | --------0 | .231 | ========= | ========= | .085 --------- | --------| .085 | ========= | ========= 0 | .569 | | | | | | | | | | | | | | | | | | | | | | | | Ending Balance ========== 154.229 63.434 ---------217.663 ========== 192.923 107.145 ---------300.068 ========== 92.856 ---------92.856 ========== 610.586 | | | | | | | | | | | | | | | | | | | | | | | | | | Bank S1 Market Share of New Loans -------------------Current | Last Quarter | Quarter ======== | ========= 9% | 10% 12% | 13% -------- | --------10% | 11% | ======== | ========= | 2% | 5% | 13% | 13% -------- | --------4% | 6% | ======== | ========= 10% | 10% -------- | --------9% | 9% | ======== | ========= 7% | 7% Loan Commitments ============================================================== Beginning | New | Expired | Ending | Usage ========= | ======= | ======== | ======== | ========= Business Credit Lines 251.5 | 37.3 | 29.1 | 259.6 | 59.4% Loan Servicing Portfolio =============================================================================================== | | | | Gain | Servicing Beginning | Sales in | Loan | Ending | or Loss | --------------------------------Loan Type Balance | Quarter | Payments | Balance | On Sales | Income | Expense | Net ----------------------------------- | ---------- | ---------- | ---------- | -------- | --------- | --------- | --------Commercial Real Estate 83.647 | 0 | 4.639 | 79.008 | 0 | .050 | .013 | .037 Residential Mortgage (FR) 95.882 | 0 | 2.364 | 93.518 | 0 | .058 | .034 | .024 ----------------------------------- | ---------- | ---------- | ---------- | -------- | --------- | --------- | --------Total 179.529 | 0 | 7.003 | 172.526 | 0 | .108 | .047 | .061 Loan Activity For Quarter Ending 12/31/19 Bank S1 === B20 === Page 8 B22 -- Loan Profitability and Performance, For Quarter Ending 12/31/19 First Bank 2009 Average Balance ================================== Business Credit Lines 142.0 Business Term Loans 61.1 -----------------------------Total Business 203.1 ================================== Commercial Real Estate 193.9 Residential Mortgage (FR) 102.9 -----------------------------Total Real Estate 296.9 ================================== Installment Loans 90.6 -----------------------------Total Consumer 90.6 ================================== Total Loans 590.6 | | | | | | | | | | | | | | | | | | | | ------ Percent Interest | Income | ================================== | Business Credit Lines 6.62% | Business Term Loans 7.31% | ------------------------------ | Total Business 6.83% | ================================== | Commercial Real Estate 7.07% | | Residential Mortgage (FR) 5.55% | ------------------------------ | Total Real Estate 6.54% | ================================== | Installment Loans 7.73% | ------------------------------ | Total Consumer 7.73% | ================================== | Total Loans 6.82% | --------- Income ----------Interest | Income Fees | Total ======== ======== | ======== 2.351 .650 | 3.001 1.116 .177 | 1.293 -------- -------- | -------3.468 .827 | 4.294 ======== ======== | ======== 3.429 .105 | 3.534 | 1.428 .296 | 1.724 -------- -------- | -------4.857 .401 | 5.258 ======== ======== | ======== 1.751 0 | 1.751 -------- -------- | -------1.751 0 | 1.751 ======== ======== | ======== 10.076 1.228 | 11.304 of Average Total | Income | ======== | 8.45% | 8.47% | -------- | 8.46% | ======== | 7.29% | | 6.70% | -------- | 7.08% | ======== | 7.73% | -------- | 7.73% | ======== | 7.66% | Balance, Chargeoffs ======== .62% .23% -------.50% ======== .41% .13% -------.31% ======== .37% -------.37% ======== .39% | | | | | | | | | | | | | | | | | | | | Annualized | Total | Expense | ======== | 1.43% | 1.38% | -------| 1.42% | ======== | 1.39% | | .57% | -------| 1.11% | ======== | 1.19% | -------| 1.19% | ======== | 1.23% Mon Feb 11 10:02:36 2013 ------------ Expenses --------------Salary Adver. Charge- | & Ben. & Prom. Offs | Total ======== ======== ======== | ======== .280 .011 .219 | .509 .165 .011 .035 | .211 -------- -------- -------- | -------.445 .022 .254 | .721 ======== ======== ======== | ======== .465 .011 .198 | .674 | .102 .011 .033 | .146 -------- -------- -------- | -------.567 .022 .231 | .820 ======== ======== ======== | ======== .174 .011 .085 | .270 -------- -------- -------- | -------.174 .011 .085 | .270 ======== ======== ======== | ======== 1.186 .056 .569 | 1.811 ------ | --| Net | | Earnings | | ======== | | 7.02% | | 7.09% | | -------- | | 7.04% | | ======== | | 5.90% | | | | 6.13% | | -------- | | 5.98% | | ======== | | 6.54% | | -------- | | 6.54% | | ======== | | 6.43% | % of Ending Balance Past-Due Non- | Loans Accrual | ======== ======== | .31% .17% | .75% .37% | -------- -------- | .44% .22% | ======== ======== | .40% .09% | | .82% .04% | -------- -------- | .55% .07% | ======== ======== | .53% .08% | -------- -------- | .53% .08% | ======== ======== | .51% .13% | Loan Profitability and Performance For Quarter Ending 12/31/19 Bank S1 | | | | | | | | | | | | | | | | | | | | Bank S1 Net Earnings ======== 2.492 1.082 -------3.574 ======== 2.859 1.578 -------4.438 ======== 1.481 -------1.481 ======== 9.493 ---- | Change in Total | Balance, Non-Perf | Post Sales ======== | ========== .48% | 18.80% 1.12% | 8.03% -------- | ---------.67% | 15.45% ======== | ========== .49% | -1.04% | .86% | 8.53% -------- | ---------.62% | 2.18% ======== | ========== .61% | 5.02% -------- | ---------.61% | 5.02% ======== | ========== .64% | 7.00% === B22 === Page 9 B24 -- Loan Decisions, as of 12/31/19 First Bank 2009 Mon Feb 11 10:02:36 2013 Bank S1 | Princi- | New | Credit | Business | Maximum | | | Currnt | Current | pal Due | Loans | Policy | Developmnt| Outstand | | | Market | Balance | Next | This | (1-5) | (H,M,L,N) |(Millions)| | | Rate | Outstnd | Qtr | Qtr | ====== | ========= | ======== | | | ====== | ======= | ======= | ====== | | | | | | | | | | -| -| -- -- -- | | | 6.74 | 154.2 | 20.3 | 18.6 | 3 | M | 200 | | | | | | | | | | | | | | | | -| -| -- -- -- | | | 7.11 | 63.4 | 7.6 | 11.8 | 3 | M | 200 | | | | | | | ====== | ========= | ======== | ======== | ====== | ====== | ======= | ======= | ====== | ====== | ========= | ======== | Max Mat | Rt Adj | ====== | ======= | ======= | ====== | | | | (Qtrs) | Period | | | | Commercial Real Est | | | | | | | | | -- --.-- -- | -| -| -- -- -- | -- -- -- | -- -- | 7.22 | 192.9 | 5.1 | 5.2 6.50 | 3 | M | 200 | 40 | 4 | | | | Resi Mortgage (FR) | | | | | | | | | -- --.-- -- | -| -| -- -- -- | | | 5.64 | 107.1 | 6.9 | 14.8 5.25 | 3 | M | 200 | | | | | | ================================ | ====== | ========= | ======== | ======== | ====== | ====== | ======= | ======= | ====== Installment Loans | | | | | | | | | -- --.-- -- | -| -| -- -- -- | | | 7.49 | 92.9 | 15.2 | 17.8 6.75 | 3 | M | 200 | | | | | | === Loans Available For Sale (Enter X to sell package.) ================================================================== Sale Book Market Gain | Book Market | Average Avg Rate Code Sell Type Value Value -Loss | Yield Yield | Maturity Adjustment Period | | 201 -Commercial Real Estate 9.099 8.974 -.125 | 5.81 5.89 | 32 5.9 | | 202 -Commercial Real Estate 9.672 9.450 -.222 | 5.49 5.62 | 26 8.0 | | 203 -Commercial Real Estate 7.978 7.930 -.048 | 6.90 6.94 | 30 4.0 | | 204 -Commercial Real Estate 9.806 9.684 -.122 | 6.51 6.59 | 24 5.4 | | 205 -Residential Mortgage (FR) 9.426 8.808 -.618 | 4.81 5.15 | 97 | | 206 -Residential Mortgage (FR) 9.003 7.897 -1.106 | 4.23 4.83 | 104 | | 207 -Residential Mortgage (FR) 8.991 8.840 -.152 | 5.54 5.63 | 103 | | 208 -Residential Mortgage (FR) 9.734 9.445 -.289 | 5.32 5.49 | 84 Interest Rate (XX.XX%) ================================ Business Cred Lin -- --.-- -6.50 Business Term Loans -- --.-- -7.00 ================================ ================================ Loan Decisions as of 12/31/19 Bank S1 === B24 === Page 10 B40 -- Deposit Activity and Performance, For Quarter Ending 12/31/19 First Bank 2009 Beginning Balance ============================== Business Checking 69.372 Individual Checking 78.569 Individual Savings 229.933 -----------------------------Time Accounts Variable Rate 59.265 Fixed Rate 164.551 ============================== Total 601.690 | ---------- Deposits ------------ | | | | With| | New | Matured | drawals | | ======== | ========== | ======== | | 3.963 | | 2.790 | | | | | | 14.692 | | 3.928 | | | | | | 23.191 | | 13.796 | | -------- | ---------- | -------- | | | | | | 0 | 5.581 | 0 | | 18.588 | 6.030 | 0 | | ======= | ========== | ======= | | 60.434 | 11.610 | 20.515 | Mon Feb 11 10:02:36 2013 Accrued Interest ======== .104 1.924 -------.548 2.603 ======= 5.179 | | | | | | | | | | | | | | | | Net Service Charges and Fees ======== .201 .843 0 -------- ======= 1.045 Bank S1 | | Mkt Share of New | | ----------------| Ending | Current | Prior | Balance | Qtr | Qtr | ========= | ======= | ======= | 70.344 | 10.9% | 11.1% | | | | 88.594 | 19.0 | 19.2 | | | | 241.252 | 13.8 | 13.5 | --------- | ------- | ------| | 20.6 | 22.7 | 54.232 | | | 179.712 | | | ========= | ======= | ======= | 634.134 | 16.0 | 16.5 === Deposit Cost Analysis ================================================================================================ | | Salaries | Advert- | | Net | | | Net ? | Intrst? Average | Interest | and | ising & | Total | Service | Other | Net | Cost/ | Expns/ Balance | Expense | Benefits | Promotn | Expenses | Charges | Fees | Cost | AvgBal | AvgBal ============================ | ======== | ======== | ======== | ======== | ======== | ======= | ======= | ====== | ====== Business Checking 69.9 | | .060 | .011 | .071 | .095 | .106 | -.13 | -.7% | | | | | | | | | | Individual Checking 83.6 | .104 | 1.060 | .011 | 1.176 | .373 | .470 | .33 | 1.6 | .5% | | | | | | | | | Individual Savings 235.6 | 1.924 | .271 | .011 | 2.206 | 0 | 0 | 2.21 | 3.7 | 3.3 ---------------------------- | -------- | -------- | -------- | -------- | -------- | ------- | ------- | ------ | -----| | | | | | | | | Time Accounts 228.9 | 3.152 | .073 | .011 | 3.236 | | | 3.24 | 5.7 | 5.5 ============================ | ======== | ======== | ======== | ======== | ======== | ======= | ======= | ====== | ====== Total 617.9 | 5.179 | 1.465 | .044 | 6.688 | .469 | .576 | 5.66 | 3.7 | 3.4 ? Annual Rate === Time Accounts Maturities ========================================== | | | | | Next | Quarter | Quarter | Quarter | Over 1 | Quarter | Two | Three | Four | Year | Total ===================== | ======= | ======= | ======= | ======= | ======= Variable Rate 10.5 | 13.7 | 7.9 | 2.8 | 19.4 | 54.2 Fixed Rate 8.1 | 6.1 | 0 | 23.2 | 142.2 | 179.7 --------------------- | ------- | ------- | ------- | ------- | ------Total 18.6 | 19.8 | 7.9 | 26.0 | 161.6 | 233.9 || || || || || || || || || === Savings Accounts Analysis =========== | | Intrst? Ending | % | Expns/ Balance | | AvgBal ===================== | ======= | ======= Standard 35.179 | 15 | 2.0% Premium 206.073 | 85 | 3.5 --------------------- | ------- | ------Total 241.252 | 100 | 3.3 Deposit Activity and Performance For Quarter Ending 12/31/19 Bank S1 === B40 === Page 11 B44 -- Deposit and Marketing Decisions, For Quarter Ending 12/31/19 First Bank 2009 Monthly Fee (XX.XX) =========== | Item | Charge | ( .XX) | ======= | Business Checking | -- --.-- -- | .-- -10.00 | .08 Individual Checking | -- --.-- -- | .-- -1.00 | .10 Individual Savings | -- --.-- -- | 0 | | Premium | Rate: * Credit on balances | ----------------------------------------Time Accounts Maturity | | | | | | | | | | | | | | | | | | | | Variable Rate: | -- -- | 4 | ------------------------ | Fixed Rates: | | -- -- | 2 | | -- -- | 8 | | -- -- | 12 | Interest Rate (XX.XX) =========== -- --.-- -1.50 * -- --.-- -1.00 -- --.-- -2.00 -- --.-- -3.50 ----------- -- --.-- -3.00 ------------ --.-- -4.00 -- --.-- -4.50 -- --.-- -5.00 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Business Develpmnt (H,M,L,N) ========= | | | | | | -| M | | -| M | | -| M | | | | --------- | | | | | | -| M | | | | | | | | | | Mon Feb 11 10:02:36 2013 Minimum Balance =========== -- -- -- -1000 -- -- -- -1000 ----------Max. Issue -- -20 ------------ -20 -- -20 -- -20 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Market Interest Rate ======== | | | | | | 1.62 | | | 1.17 | | | 2.15 | | | 3.43 | | -------- | | | | 3.38 | | -------- | | | 3.99 | | | 4.89 | | | 4.95 | | Bank S1 | Markt | Share New | of Deposits | New ======== | ===== | % | 4.0 | 10.9 | | 14.7 | 19.0 | | 23.2 | 13.8 | | | | -------- | ----18.6 | 20.6 ---------------0 2.6 6.5 9.5 ================= Marketing =================================================================================== Business Development Budgets (in 000s per qtr) Salaries: Advertising and Promotion: -- -- -- -300 -- -- -- -100 New Bank Name: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -(29 characters Max.) Deposit and Marketing Decisions For Quarter Ending 12/31/19 Bank S1 === B44 === Page 12 B64 -- Treasury Managment, Dividends and Forecast Earnings , For Quarter Ending 12/31/19 First Bank 2009 Mon Feb 11 10:02:36 2013 Source ---------------Fed Funds Borrwd Repos ---------------CDs 1 Quarter 2 Quarter 3 Quarter 4 Quarter ---------------FHLB Borrowing ---------------- | | | | | | | | | | | | | | | | | | | | | | ---------Decision Amount ---------- | | | | | | -- -- -- | ---------- | | | -- -- -- | | -- -- -- | | -- -- -- | | -- -- -- | ---------- | | | -- -- -- | ---------- | --------- Current Quarter ---------------Available Available | Current | Current Amount Rate (%) | Maturing | Balance --------- ---------- | -------- | ------3.35 | 9.5 | | | 30 3.14 | 0 | --------- ---------- | -------- | ------| 20.6 | | | 45 3.84 | | 16.5 | | 34 4.46 | | 0 | | 11 4.85 | | 0 | | 22 5.08 | | --------- ---------- | -------- | ------Maturity | | | | 107 -- -| 0 | 0 --------- ---------- | -------- | ------- | | | | | | | | | | | | | | | | | | | | | | Bank S1 ------------ Prior Quarter ---------------Decision Avail. Avail. Amount Amount Rate (%) Matured -------- ------ -------------3.13 10 0 -------- 30 ------ 2.89 ------- 0 37 3.49 0 27 4.08 0 9 4.45 0 -------- 18 ------ 4.69 ------- 0 -------- 98 ------ ------- 0 ------0 Maturity Decision ---- -----0 ------- --- Capital Notes and Common Stock ------------------------------------------------------------------------| | --- Prior Quarter --Decision | | Decision Price or Amount | Issue 3 - 5 Million 6 - 10 Million 12 - 16 Million | Amount Rate --------- | ---------------------- ---------------------------------------- | --------- ---------| Capital Notes | -- -| Interest Rate 5.45 5.44 5.46 | 0 --------- | ---------------------- ---------------------------------------- | --------- ---------| Common Stock | -- -| Price Per Share 16.52 16.61 16.66 | 0 ==== Dividends and Forecast Earnings ============================================================================= Dividends per Share: -- --.-- -.25 Earnings per Share, Forecast: (Current Quarter: .22) -- --.-- -.60 Treasury Managment, Dividends and Forecast Earnings For Quarter Ending 12/31/19 Bank S1 === B64 === Page 13 C91 -- Bank Balance Sheets, as of 12/31/19 Mon Feb 11 10:02:36 2013 Community S Bank: 1 ==== Assets ========================== Cash Items 38.2 Fed Funds Sold 0 Securities 64.8 Loans (Net) 604.5 Business 217.7 Real Estate 300.1 Consumer 92.9 Other 0 Loan Loss Reserve -6.1 Premises 15.5 Other Assets 34.4 -------------------------------------Total Assets 757.3 === Liabilities and Equity =========== Total Deposits 671.3 Checking Accounts 158.9 Savings Accounts 241.3 Time Accounts 233.9 Certificates of Deposit 37.1 Borrowed Funds Repurchase Agreements Fed Funds Purchased FHLB Borrowing Other Liabilities Capital Notes 9.5 0 9.5 0 29.0 0 Owners Equity 47.6 -------------------------------------Total Liab & Equity 757.3 === Ratios (%) ======================= Net Liquid Assets / Assets 1.4 Loans / Deposits 90.05 Non-Performing Loans / Loans .64 Charge-offs / Average Loans .39 Earning Asset / Total Assets Core Deposits / Total Assets Int Bear Liab / Total Assets 88.38 83.73 80.60 Borrowed Funds / Total Assets 1.25 Fed Funds Purch / Tot Capital 19.94 Owners Equity / Total Assets 6.28 Bank Balance Sheets as of 12/31/19 Community S === C91 === Page 14 C92 -- Income Statements, as of 12/31/19 Mon Feb 11 10:02:36 2013 Bank: Interest Income Loans Business Real Estate Consumer Other Securities: Taxable Income Securities: Tax-exempt Income Federal Funds Sold -------------------------------Interest Expense Checking Accounts Savings Accounts Time Accounts Certificates of Deposit Borrowed Funds FHLB Borrowing Capital Notes Net Interest on Swaps Net Interest Income -------------------------------Service Charges & Other Income Loan Loss Provision -------------------------------Operating Expenses Salaries and Benefits Advertising - Promotion Occupancy & Other Op. Expenses Operating Earnings -------------------------------Gains/Losses on Asset Sales Income Taxes ================================ Net Income Earnings Per Share ================================ Interest Income/Earning Assets Interest Expense/Int-bear Liab Spread Net Interest Inc/Earning Assets Net Interest Inc/Total Assets Operating Expense/Total Assets Net Non-Int Exp/Total Assets Operating Earning/Total Assets Net Income/Total Assets Net Income/Owners Equity | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Community S 1 10.9 10.1 3.5 4.9 1.8 0 .5 .3 0 -------5.6 .1 1.9 3.2 .3 .0 0 0 0 5.3 -------2.4 1.0 -------6.2 4.3 .1 1.7 .6 -------0 .1 ======== .4 .2 ======== 6.68 3.77 2.92 3.26 2.88 3.35 2.05 .30 .24 3.66 Income Statements as of 12/31/19 Community S === C92 === Page 15 C93 -- Community Loan and Deposit Markets, For Quarter Ending 12/31/19 Mon Feb 11 10:02:36 2013 Interest Rates Charged -----Business Credit Lines Business Term Loans --------------------------Commercial Real Estate Maximum Maturity Rate Adjst Period Residential Mortgage (FR) --------------------------Installment Loans ----------------------------Average Credit Quality Policy Loan Business Development ----------------------------Business Checking ----------Monthly Fee Item Fee Interest Rate Individual Checking --------Monthly Fee Item Fee Interest Rate Individual Savings ---------Monthly Fee Minimum Balance for Premium Basic Interest Rate Premium Interest Rate ----------------------------Deposits Business Development | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mkt BoQ ------6.43 6.89 ------6.81 5.48 ------6.73 ------------------1.50 ------1.13 ------2.00 3.34 ------- | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Mkt EoQ ------6.74 7.11 ------7.22 5.64 ------7.49 ------------------1.62 ------1.17 ------2.15 3.43 ------- | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Community S Bank 1 -----6.50 7.00 -----6.50 40 4 5.25 -----6.75 -----3 56 ----------10.00 .08 1.50 -----1.00 .10 1.00 -----0 1000 2.00 3.50 -----44 ---------------------------------------------------------------------------------------------------Maturity ------- Fixed Rates --------------- Variable Rates -----Time Deposit Rates -- Qtrs -Community Banks Market Ave. Community Banks Market Ave. -----------------1 3.41 3.41 Range offered by 2 4.00 4.00 3.99 3.39 Community Banks 3-4 4.35 3.00 3.00 3.39 and rates paid on 5-6 4.71 3.38 average by other 7-8 4.50 4.50 4.85 3.38 financial institutions 9-12 5.00 5.00 4.91 3.38 in the market. 13-20 4.96 3.38 21-30 4.98 3.38 31-40 4.99 3.38 Community Loan and Deposit Markets For Quarter Ending 12/31/19 Community S === C93 === Page 16 C94 -- Community Bank Capital Activity, For Quarter Ending 12/31/19 Mon Feb 11 10:02:36 2013 | Price/Share Pcnt Bank | Q4/19 Q3/19 Chng ---- | -------------------| 1 | 17.63 20.11 -12.3 | Ratios | Earnings | Earnings per Share | P/E Mkt/Book | Qtr YTD | Fcast Actual YTD | -------------- | ------------- | ---------------------| | | | 6.5 .74 | .44 5.44 | .60 .22 2.72 Community S | Dividends | Credit | Qtr YTD Yield | Rating | ---------------------- | ------| | | .25 1.00 5.7 | B | ------------ Owners Equity and Capital Ratios ------------- | | ---------- Capital Issues -------------------| | | Capital Notes | Common Stock | Capital Notes Equity Capital | | -------------- | ----------------------------Bank | Shares Book / Equity + / Total / Risk | | | Issue ---- | Outstanding Value Capital Notes Assets Assets | | Amount Rate | Price Shares Total | % % % | | | 1 | 2,000,000 23.80 0 6.28 8.93 | | | | | | | | | | -----------------------------------------------------------------------------------------------------------------------'BankExec' is a product and a protected mark of the American Bankers Association. | | ------------------------------------------------------------------------------------------------------------------------ | | Community Bank Capital Activity For Quarter Ending 12/31/19 Community S === C94 === Page 17 C95 -- Economic Charts, as of 12/31/19 Mon Feb 11 10:02:36 2013 Yield Curve: Current, New Deposits, --- Beginning of Qtr --- New Loans Federal Funds, Indicators: Inflation, Economic Charts as of 12/31/19 Community S --- 30 Year Bond --- National Retail Sales Unemployment, Community S C95 Page 18 C96 -- Economic Reporter, as of 12/31/19 Mon Feb 11 10:02:36 2013 Mat (Qtrs) ------- Community S 9/30/19 | Funds Rates 12/31/19 9/30/19 -------- | ------------------------------------------ -------| Repos 3.14 2.89 Government Securities: 1 3.59 3.34 | Federal Funds 3.35 3.13 4 4.75 4.49 | 8 5.07 4.83 | Corporate Rates | ----------------------------------20 5.15 4.94 | Prime 6.34 6.11 40 5.16 4.97 | Commercial Paper 4.26 3.91 80 5.17 4.99 | High-grade Bonds 5.43 5.33 | | | National Economy Agencies: 1 3.66 3.40 | ----------------------------------4 4.84 4.58 | Inflation rate 2.17 1.97 % 8 5.24 5.01 | Change - Gross Domestic Product 3.28 2.95 % | Unemployment rate 4.75 5.13 % 20 5.38 5.18 | 40 5.50 5.31 | 80 5.70 5.52 | Local Economy | ----------------------------------| Retail sales 2.28 1.94 % | New construction permits 3.51 2.78 % Tax-Exempts: 60 4.03 3.89 | Unemployment rate 5.05 5.43 % | ---------------------------------------------------------------------------------------------------------------------Income Tax Rate --------------Q1/20 36% Q4/19 36% 12/31/19 -------- Market Forecasts ---------------Loans Business Real Estate Consumer Other Deposits Q1/20 ------286.4 487.1 195.4 64.3 428.4 4 Quarters Q1/20 to Q4/20 -------------1,073.7 1,706.0 753.3 274.2 1,781.1 ---------------------------------------------------------------------------------------------------------------------Stock Prices ---------------Quarter | Bank 1 ------| ---------Q4/19 | 17.63 Q3/19 | 20.11 Q2/19 | 21.93 Q1/19 | 26.80 Economic Reporter as of 12/31/19 Community S === C96 === Page 19 Looking at the bank's balance sheet (Report B01), what is your assessment of its overall situation? Do you observe any trends that appear especially favorable or unfavorable? . Examine the bank's income statement (Report B02). What are the trends in operating earnings and net income? What are the return on assets and return on equity of the bank for the year to date? What is your evaluation of these facts? Reports B05 and B06 contain a lot of information. What seems to be the purpose of this information? Hou will need some practice to use these reports.) . Reports B10 and B12 provide information on the securities portfolio of the bank. What is your assessment of the condition of the portfolio? What does Gain/Loss|| mean? Reports B20 and B22 provide information on the loan portfolio of the bank. What is your assessment of the bank's loan portfolio? Examine the current loan decisions of the bank as shown on Report B24. Compare the interest rates being charged with those prevailing in the economy that are also shown here. Do you have any recommendations for changes in loan decisions? . Report B40 provides information on deposits of the bank. What is your assessment of this area? . Examine the current deposit decisions on Report B44. How do the bank's interest rates compare with current market rates? Are there any changes you would recommend? Report B64 provides information on purchased funds and capital. Does the bank seem to have sufcient funds available from these sources? How do the interest rates compare with the rates on customer time deposits? Examine Reports C91, C92, C93 and C94. Given the number of banks that you will compete with, what will these reports tell you next quarter, after your rst decision? . Examine Reports C95 and C96. What type of information is provided here? Provide a general summary of any special strengths or weaknesses of the bank that you have observed. If you were in complete charge of this bank, what is your highest priority for action