2021 Ohio Bankers Day

CBSI Trends from Q2 2019 to Q2 2021

100 120 140 160 180

20 40 60 80

‐ 20 0

CBSI

Business Conditions

Monetary Policy

Regulatory Burden

Operations Expansion

Capital Spending

Profitability Franchise Value

Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021

Regulatory Burden

Operations Expansion

Business Conditions

Monetary Policy

70

70

70

70

20

20

20

20

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

‐ 30

‐ 30

‐ 30

‐ 30

‐ 80

‐ 80

‐ 80

‐ 80

RBp

RBn

RBi

BCp

BCn

BCi

MPp

MPn

MPi

OEp

OEn

OEi

CBSI (minus 100) and Uncertainty

Franchise Value

Capital Spending

Profitability

70

70

70

70

22 21 22

15 15

20

20

20

20

‐ 3 ‐ 2

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

Q2 2019

Q3 2019

Q4 2019

Q1 2020

Q2 2020

Q3 2020

Q4 2020

Q1 2021

Q2 2021

‐ 30

‐ 30

‐ 30

‐ 30

‐ 9 ‐ 10

‐ 80

‐ 80

‐ 80

‐ 80

BCu CSu

MPu RBu

OEu CBSI

CSp

CSn

CSi

PRp

PRn

PRi

FVp

FVn

FVi

PRu

FVu

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