Bank Directors Seminar, Coeur d'Alene, ID, September 15-17, 2019

Margin Capacity Balance Sheet ABC Bank Somewhere, USA 2017Q3

Assets:

Liabilities & Equity:

Thousands

Thousands

%

Non Earning Assets 9%

9%

Cash & NIBD Goodwill & Other

11,634 24,774

Equity

3% 6%

37,775

"Free" Funds 33%

NonInt. Bearing Deposits

103,741

24%

•

.Intipeallinge,DepOSitS

•10,020

Real Estate Agricultural Commercial Consumer

202,203, 17,437 •26;831 10,046 21,779 274,383

!Int Bearing DDA & IVIIVI Acct* Other Savings (ex MIVIDA's) Time Deposits < $250,000 Time Deposits > $250,000 Other Deposits (Inc! Now) Total Dom Deposits

48% ,

143,446 32,088 57,395 26,044 12,855 128,382

:340/0 a% 14%

4% . 6% .

2% 5%

Interest Paying

3% 30%

Interest Other

65%.

Earning Net Loans

Liab 67%

Assets 91%

Investment Securities

FHLB Borrowings

7,424

2%

,!'.92;6211•,.

Fed Funds Sold

10,858

3,521

Other

3%i

Total Assets

Total Liabilities & Equity

424,289

100%

424,289

100%

*net of NonInt Bearing Deposits