Deputy Seminar, Chicago, IL

CSBS DATA ANALYTICS – EXAMPLE OF CHARTS USED IN AN EXIT MEETING

Loans to Total Assets

Q1 2018, 83%

Q4 2017 82% STATE Exam

85%

Q4 2014, 77% STATE Exam

80%

Q2 2016, 79% FDIC Exam

75%

70%

Q4 2017, 65%

65%

60%

Q4 2017, 64%

55%

50%

Bank

State

FDIC Community Banks

Figure—1

Liquid Assets as a Percent of Average Assets

Q1 2018, 13% National Peer = 20% State Average = 27%

25%

20%

15%

10%

5%

0%

Cash & Due

FFS

IBB

AFS

Total

Trendline

Figure—2