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

State National Bank Branch Grading Summary As of: March 31, 2017

Branch name

Centerville

Branch identifier/number

1002

Branch location

NE 12th St Universal City, IN

Rating (A through D)

Overall rating

Market potential

A-

Location

B-

Physical facility

B-

Historical performance *

Ranking among all 13 branches Today

7

One year ago

11

* Twelve quarter trend for mature branches eight quarters for new branches Performance indicators:

Return on investment/equity Return on average assets Average loans Loan yield Average deposits Deposit market share % time deposits % free transaction deposits % interest bearing transaction deposits Cost of deposits Service charges assessed Service charges waived # FTEs # transactions per FTE teller $ loan per FTE lender Efficiency Ratio - direct costs Efficiency Ratio - fay allocated costs

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