Loan to Deposit Ratios First Community Bank of the Heartland

Loan to Deposit Ratios

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Loan to Deposit Ratios - Kentucky

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Date	DDA/SAV	TDA	Total Deposits	LNS	LTD%
Date 6/30/2022	DDA/SAV 158,267,342.82	TDA 29,704,362.69	Total Deposits 187,971,705.51	LNS 136,859,351.78	LTD% 72.81%
Date 9/30/2022	DDA/SAV 157,166,948.50	TDA 31,493,646.84	Total Deposits 188,660,595.34	LNS 147,028,793.51	LTD% 77.93%
Date 12/31/2022	DDA/SAV 164,383,541.20	TDA 33,836,913.55	Total Deposits 198,220,454.75	LNS 147,873,104.88	LTD% 74.60%
Date 3/31/2023	DDA/SAV 163,482,596.21	TDA 41,868,705.31	Total Deposits 205,351,301.52	LNS 150,704,421.71	LTD% 73.39%
Date 6/30/2023	DDA/SAV 149,994,237.11	TDA 49,087,783.99	Total Deposits 199,082,021.10	LNS 153,754,723.31	LTD% 77.23%
Date 9/30/2023	DDA/SAV 140,474,415.40	TDA 52,713,303.43	Total Deposits 193,187,718.83	LNS 158,852,219.51	LTD% 82.23%
Date 12/31/2023	DDA/SAV 153,053,458.11	TDA 62,615,813.64	Total Deposits 215,669,271.75	LNS 167,027,915.26	LTD% 77.45%

Last revised February, 2024

Loan to Deposit Ratios - Tennessee

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Date	DDA/SAV	TDA	Total Deposits	LNS	LTD%
Date 12/31/2015	DDA/SAV 623,882.56	TDA 162,967.30	Total Deposits 786,849.86	LNS 9,758,749.67	LTD% 1240.23%
Date 3/31/2016	DDA/SAV 2,097,669.28	TDA 508,847.12	Total Deposits 2,606,516.40	LNS 7,634,360.50	LTD% 292.90%
Date 6/30/2016	DDA/SAV 3,072,196.68	TDA 1,452,980.64	Total Deposits 4,525,177.32	LNS 10,727,803.91	LTD% 237.07%
Date 9/30/2016	DDA/SAV 4,835,500.86	TDA 2,133,828.84	Total Deposits 6,969,329.70	LNS 9,986,436.75	LTD% 143.29%
Date 12/31/2016	DDA/SAV 5,149,368.41	TDA 1,996,153.48	Total Deposits 7,145,521.89	LNS 10,175,508.58	LTD% 142.40%
Date 3/31/2017	DDA/SAV 6,693,159.04	TDA 2,341,991.37	Total Deposits 9,035,150.41	LNS 11,136,534.88	LTD% 123.26%
Date 6/30/2017	DDA/SAV 7,574,996.38	TDA 2,679,250.34	Total Deposits 10,254,246.72	LNS 11,513,676.53	LTD% 112.28%
Date 9/30/2017	DDA/SAV 8,207,552.39	TDA 2,819,897.53	Total Deposits 11,027,449.92	LNS 12,922,312.54	LTD% 117.18%
Date 12/31/2017	DDA/SAV 10,412,147.65	TDA 5,642,570.54	Total Deposits 16,054,718.19	LNS 16,691,991.91	LTD% 103.97%
Date 03/31/2018	DDA/SAV 13,102,960.70	TDA 9,646,812.57	Total Deposits 22,749,773.27	LNS 16,765,100.23	LTD% 73.69%
Date 6/30/2018	DDA/SAV 12,301,346.70	TDA 9,434,328.48	Total Deposits 21,735,675.18	LNS 19,984,016.92	LTD% 91.94%
Date 9/30/2018	DDA/SAV 12,592,696.50	TDA 9,356,292.97	Total Deposits 21,949,262.47	LNS 24,884,553.65	LTD% 113.37%
Date 12/31/2018	DDA/SAV 14,168,103.30	TDA 9,310,292.60	Total Deposits 23,478,395.90	LNS 26,644,610.48	LTD% 113.49%
Date 3/31/2019	DDA/SAV 14,762,938.85	TDA 9,240,075.80	Total Deposits 24,003,014.65	LNS 28,474,099.01	LTD% 118.63%
Date 6/30/2019	DDA/SAV 14,597,857.42	TDA 9,347,881.48	Total Deposits 23,945,738.90	LNS 32,505,196.09	LTD% 135.75%
Date 9/30/2019	DDA/SAV 18,341,204.86	TDA 9,225,309.52	Total Deposits 27,566,514.38	LNS 40,049,405.19	LTD% 145.28%
Date 12/31/2019	DDA/SAV 20,119,446.75	TDA 8,488,257.03	Total Deposits 28,607,703.78	LNS 47,534,468.60	LTD% 166.16%
Date 3/31/2020	DDA/SAV 23,556,874.80	TDA 8,807,963.80	Total Deposits 32,364,838.60	LNS 57,790,026.28	LTD% 178.56%
Date 6/30/2020	DDA/SAV 28,296,137.63	TDA 9,440,954.72	Total Deposits 37,737,092.35	LNS 74,807,215.56	LTD% 198.23%
Date 9/30/2020	DDA/SAV 31,696,873.22	TDA 9,586,938.96	Total Deposits 41,283,812.18	LNS 87,156,049.23	LTD% 211.11%
Date 12/31/2020	DDA/SAV 39,498,831.80	TDA 9,579,350.52	Total Deposits 49,078,182.32	LNS 90,246,474.83	LTD% 183.88%
Date 3/31/2021	DDA/SAV 47,077,761.04	TDA 9,164,330.47	Total Deposits 56,242,091.51	LNS 101,598,866.56	LTD% 180.65%
Date 6/30/2021	DDA/SAV 43,429,061.76	TDA 10,269,883.24	Total Deposits 53,698,945.00	LNS 110,205,405.96	LTD% 205.23%
Date 9/30/2021	DDA/SAV 47,060,487.80	TDA 11,180,064.41	Total Deposits 58,240,552.21	LNS 120,746,880.60	LTD% 207.32%
Date 12/31/2021	DDA/SAV 54,269,163.27	TDA 11,331,025.43	Total Deposits 65,600,188.70	LNS 121,747,634.65	LTD% 185.59%
Date 3/31/2022	DDA/SAV 64,811,686.71	TDA 14,025,890.62	Total Deposits 78,837,577.33	LNS 123,557,882.23	LTD% 156.72%
Date 6/30/2022	DDA/SAV 67,588,178.29	TDA 18,400,302.17	Total Deposits 85,988,480.46	LNS 131,812,958.86	LTD% 153.29%
Date 9/30/2022	DDA/SAV 62,227,255.32	TDA 18,295,751.43	Total Deposits 80,523,006.75	LNS 142,794,108.38	LTD% 177.33%
Date 12/31/2022	DDA/SAV 70,463,649.45	TDA 18,170,272.86	Total Deposits 88,633,922.31	LNS 143,787,447.33	LTD% 162.23%
Date 3/31/2023	DDA/SAV 60,563,602.93	TDA 20,230,854.49	Total Deposits 80,794,457.42	LNS 152,617,324.26	LTD% 188.90%
Date 6/30/2023	DDA/SAV 58,298,475.16	TDA 23,056,989.96	Total Deposits 81,355,465.12	LNS 158,859,751.40	LTD% 195.27%
Date 9/30/2023	DDA/SAV 54,115,363.08	TDA 27,312,168.66	Total Deposits 81,427,531.74	LNS 167,858,143.35	LTD% 206.14%
Date 12/31/2023	DDA/SAV 53,815,748.42	TDA 29,914,699.84	Total Deposits 83,730,448.26	LNS 169,183,455.50	LTD% 202.06%

Opened first branch in Tennessee 12/14/2015 at Martin, TN (Skyhawk Parkway).

Last revised February, 2024

Loan to Deposit Ratio (bank overall ratio)

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Date	Current	MTD Avg.	QTD Avg.	YTD Avg.
Date March 31, 2022	Current 86.93	MTD Avg. 86.41	QTD Avg. 87.77	YTD Avg. 87.77
Date June 30, 2022	Current 85.71	MTD Avg. 85.21	QTD Avg. 86.25	YTD Avg. 86.99
Date Sept. 30, 2022	Current 91.60	MTD Avg. 91.32	QTD Avg. 88.09	YTD Avg. 87.37
Date Dec. 31, 2022	Current 91.65	MTD Avg. 91.42	QTD Avg. 89.65	YTD Avg. 87.98
Date March 31, 2023	Current 88.59	MTD Avg. 91.40	QTD Avg. 91.61	YTD Avg. 91.61
Date June 30, 2023	Current 90.82	MTD Avg. 92.94	QTD Avg. 91.19	YTD Avg. 91.40
Date Sept. 30, 2023	Current 93.60	MTD Avg. 94.04	QTD Avg. 93.29	YTD Avg. 92.05
Date Dec. 31, 2023	Current 96.50	MTD Avg. 94.65	QTD Avg. 93.27	YTD Avg. 92.36