Sb Financial Group, Inc. · NASDAQ:SBFG
Sb Financial — Rurban Financial — Shareholder Meeting (April 2010)
38 slides from Sb Financial's shareholder meeting presentation, Apr 22, 2010
Slide 1: 27th Annual Meeting of Shareholders
a RURBAN FINANCIAL CORP. 27 Annual Meeting of Shareholders April 22, 2010
Slide 2: Call to Order
fo Order Klein ident and CEO Financial Corp. and State Bank and Trust ——
Slide 3: Slide 3
Slide 4: Special Guests
Rurban Financial Corp. Special Guests > BKD, LLP — Craig Liechty > Plante Moran — Bob Funke > Vorys, Sater, Seymour & Pease, LLP Tony Weis > Weaner, Zimmerman, Bacon, Yoder & Hubbard, [td.— Stan Yoder, Steve Hubbard i RFC a
Slide 5: Chief Financial Officer for Rurban and State Bank
Financial Officer for Rurban and State Bank and Trust Company ar financial executive with experience in regional and comm > Will be relocating to community
Slide 6: Executive Management
The State Bank and Trust Company Executive Management > Reliance Financial Services President ~ Craig A. Kuhl > Senior Len athan R. Gathman ent, Lima—David A. Anderson ent, Coluribus — David A. Homoel > Regional President, Toledo — John A. Kendzel > Regional President, Fort Wayne ~ David L. Schnepp
Slide 7: s — Michael D. Ebbeskotte
s — Michael D. Ebbeskotte icer — Kristen K. | > Resi ial Real Estate, Columbus — , Steven a7
Slide 8: SB&T Advisory Board Members
Rurban Financial Corp. SB&T - Advisory Board Members Hulton County. pag Comes dames M. McDonnalll_ Floyd F. Furrow Johin H. Kauser Dr. John M. Saxton, Ronda J, Stabler Rex L. Williamson aS ‘Alan E, Fiser Jerry D. Kneipp William G. Martin Timothy Stolly Glen L, Neweomer Richard, Michael W. Spangler i
Slide 9: Annual Meeting Agenda
Rurban Financial Corp. Annual Meeting Agenda > Introductions > Chairman's Remarks > Rurban Overview > Rurban’s Progress and Strategy > RDSI Update > Election Results > Questions Gene
Slide 10: Director Overview and Insight
Rurban Financial Corp. Director Overview and Insight D. VanDemark >Chairman, Rurban Financial Corp rT > Chairman, The State Bank and Trust Company > Director, RDST
Slide 11: Indicates RDSI Board Member
* indicates RDSI Board Member
Slide 12: Director Committees
Rurban Financial Corp. Director Committees + Finanel Richard L. Hardgrove > Compensation Committee + Chairman; Dr. J. Michael Walz. F > Governance and Nominating Committee + Chairman: ‘Thomas A. Buis > Loan Review Committee * Chairman: Thomas M. Callan
Slide 13: Mark A. Klein and Anthony V. Cosentino
Mark A. Klein Anthony V. Cosentino President and CEO CFO Rurban Financial Corp. and The State Bank and Trust Company
Slide 14: Progress and Strategy
and Strategy Z
Slide 15: Communities in Ohio and Indiana
unities in Ohio and Indiana ts at December 31,2009 ist Company (community bi ‘ancial Services and item processing for banks)
Slide 16: Agenda
> Chairman; ‘ks » Rurban > Rurban’s Progress and Strategy | >RDSIU ot ia » Election Results > Quest Ss
Slide 17: Net income
$6.0 $50 $40 $3.0 Millions $2.0 $10 $0.0 Net income [oz] 2005 Pa sa S28 200s (20072008 einer income neers Cea 2008 RFC
Slide 18: A sl i
A sl i ame EET = ae z rr aso a oon has a = = = ES Es
Slide 19: 250% 200% 150% 1.00% 050% 0.00% A li 1.448% ies 1.00% 1.03% x) Co
250% 200% 150% 1.00% 050% 0.00% A li 1.448% ies 1.00% 1.03% x) Co
Slide 20: The State Bank vs. Ohio Averages
rato ‘The State Bank vs. Ohio Averages 93% 33% 30% 73% 7 73% : : li] i] II 2008, 2006 2007 2008 2009 The State Bank and Trust Company E1Ohio Average” RFC ed
Slide 21: Focus on Our Future
Mark Klein Focus on Our Future
Slide 22: Rurban vs. Ohio Average
087% 0.38% 2005 2006 2007 2008 Dhurben DObio Average iy ade 1 Analy, Ohi
Slide 23: Net income
Netincome $7.0 a = $6.0 $5.0 $8.9 $4.0 $54 $3.0 a L $2.0 S10 $0.0 2008, 2006 2007 2008 2008 Millions TaiNet income -me°S ae,
Slide 24: Residential Mortgage Production
$226 a | 2005 2006 2007 2008 2008 [iResidential Mortgage Production
Slide 25: eso
330 eso 2008 2007 zoe 2008 Bcteals cose teers -— REC Ea
Slide 26: The State Bank and Trust Company
The State Bank and Trust Company = Improving Expense Control as * Continual Expansion of Mortgage Volume " Strategic Acquisitions that are Immediately Accretive ™ Process Improvement = Expand Sales Culture : RFC Eee
Slide 27: Slide 27
Slide 28: President and CEO
ident and CEO
Slide 29: RDSI Directors
RDSI Directors. > Daniel W. Farrell, Jr. Chairman > Kenneth A. Joyce > Donald E. DeWitt > Richard L. Hardgrove > John W. Schock > Steven D. VanDemark > Dr. J. Michael Walz
Slide 30: RDSI Management Team
RDSI Management Team. [RDSI} > William C. Brandt > James M. Bremer >Jon A. Brenneman > Timothy Pearson > Gary A. Saxman > Jeffrey D. Sewell > Duane L. Sinn
Slide 31: Executive Vice Chairman
> Executive Vice Chairman Rurban Financial Corp. > Transitioning to RDSI upon RDSI Spin-off > Provides a consulting role with RFC through year-end 2010 > Chief Executive Officer of RDSI since 1997
Slide 32: RDSI Overview
> Founded in 1964 and incorporated in 1976 as RDSI > Providing Data Processing and Item Processing Services RDSI Overview. ~ Partnered with Fiserv/ITI in 1994 > Entered a strategic partnership with New Core Banking Systems in 2009 > Servicing with Single Source™ [RDSI] exclusively beginning 2011
Slide 33: New Core Banking Systems
New Core Banking Systems. LRDSI} } Incorporated in December, 2004 as a privately held company > Sales and technical office in Birmingham, AL } Every employee has an ownership stake and an average of 18+ years of banking experience > Proven ability to grow a mission critical banking product from ince
Slide 34: Single Source Software Architecture
Single Source Software ae Genera Architecture. Ledger Portfolio Loans
Slide 35: Product Development
Product Development.
Slide 36: RDSI Spinoff
RDSI Spinoff. > Rurban Financial Corp. intends to spin-off RDSI > Executing the Spin-off is at the sole discretion of the Rurban Board of Directors ® At the Spin-off, Rurban Shareholders will receive one share of RDSI for each share of Rurban > Rurban Shareholders will continue to hold their Rurban
Slide 37: Annual Meeting Agenda
Rurban Financial Corp. Annual Meeting Agenda » Chairman’ Remarks > Rurban Overview > Rurban’ Progress and Strategy > RDST Update > Election Results > Questions Gene.
Slide 38: Questions?
= BORE See Questions?