INDIANA S FAMILY-OWNED. Est. 1895

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1 FAMILY VALUES ESSENTIALS OF EX OF EXCELLENCE LOCAL BANKERS S SINCE 1895 COMMUNITY BANKING ESSENTIALS OF EXCELLENCE LOCA BANKING BEST PLACE TO WORK FAM LOCAL BANKERS SINCE 1895 COMM FAMILY VALUES ESSENTIALS OF EX OF EXCELLENCE INDIANA S LOCAL BANKERS S SINCE 1895 LARGEST COMMUNITY BANKING ESSENTIALS PRIVATE OF EXCELLENCE LOC BANKING FAMILY-OWNED BEST PLACE TO WORK FAM LOCAL BANKERS SINCE 1895 COMM AMILY VALUES BANK ESSENTIALS OF EX OMMUNITY BANKING BEST PLACE Est F EXCELLENCE LOCAL BANKERS S SINCE 1895 COMMUNITY BANKING ESSENTIALS 2015 OF EXCELLENCE LOCA BANKING BEST PLACE TO WORK FAM LOCAL ANNUAL BANKERS SINCE REPORT 1895 COMM FAMILY VALUES ESSENTIALS OF EX OF EXCELLENCE LOCAL BANKERS SIN

2 CELLENCE LOCAL BANKERS SINCE 1895 TO WORK FAMILY VALUES ESSENTIALS INCE 1895 COMMUNITY BANKING BEST ENTIALS PRESIDENT S OF EXCELLENCE LOCAL MESSAGE BANKERS BEST PLACE TO WORK FAMILY VALUES L BANKERS SINCE 1895 COMMUNITY ILY Centier VALUES Bank achieved ESSENTIALS another year of growth in OF 2015, EXCELLENCE with reported earnings over $32 million in 2015 and a The opening of these UNITY return on BANKING average assets (ROAA) BEST of 1.13%. PLACE Total loans TO WORK grew by over $350 million, or 15% from the prior year. loan offices and branches CELLENCE Centier Bank achieved LOCAL two significant BANKERS milestones in 2015 SINCE 1895 further solidifies our when the bank surpassed $3 billion in total assets and TO $300 WORK million in core FAMILY capital. VALUES ESSENTIALS commitment to remaining INCE In 2015, 1895 Centier Bank COMMUNITY further expanded its service BANKING BEST a premier community bank footprint by opening a retail branch and business banking ENTIALS OF EXCELLENCE LOCAL BANKERS and commercial real estate center in Downtown Indianapolis. Our prominent Greater Indianapolis banking and loan team is projected to grow and residential lender in BEST over the next PLACE several years, TO as Centier WORK plans to FAMILY open VALUES multiple Central Indiana locations throughout Hamilton, Indiana that remains AL Hendricks, BANKERS and Boone Counties. SINCE Also coming 1895 soon is COMMUNITY a Not for Sale. 7-Day Banking grocery store branch inside of Schererville ILY Strack VALUES & Van Til and ESSENTIALS a new banking center located OF in EXCELLENCE Downtown South Bend. UNITY BANKING BEST PLACE TO WORK The opening of these loan offices and branches further CELLENCE solidifies our commitment LOCAL to remaining BANKERS a premier SINCE 1895 community bank and commercial real estate and Sincerely, TO WORK FAMILY VALUES ESSENTIALS residential lender in Indiana that remains Not for Sale. This Not for Sale commitment is my personal INCE 1895 COMMUNITY BANKING BEST promise, and the Schrage family, that Centier will remain independently owned and operated for generations to Michael E. Schrage ENTIALS OF EXCELLENCE LOCAL BANKERS President, CEO, and come. Since 2007, Centier Bank has been among the Chairman of the Board top 10 Best Places to Work in Indiana by the Indiana BEST PLACE TO WORK FAMILY VALUES Chamber of Commerce and received national attention by American Banker magazine as one of the Top 20 Best L BANKERS SINCE 1895 COMMUNITY Banks to Work For in the U.S.A. ILY VALUES ESSENTIALS OF EXCELLENCE Together, we are building a stronger future for our families and communities. I thank you for your continued loyalty UNITY BANKING BEST PLACE TO WORK and support. CELLENCE LOCAL BANKERS SINCE 1895 TO WORK FAMILY VALUES ESSENTIALS CE 18ITY BANKING BEST PLACE TO

3 2015 CONSOLIDATED STATEMENT OF CONDITION DECEMBER 31, 2015 ASSETS: Cash and due from banks Interest-bearing deposits in banks Investment securities U.S. Government obligations States and political subdivisions Other securities Total investment securities Federal funds sold Loans, less allowance for loan losses of $29,757,735 Office buildings, equipment and leasehold improvements, net Other real estate owned Accrued interest and other assets TOTAL ASSETS $ 46,789,864 72,379,841 26,094, ,865, ,772, ,732,661 2,594,007,904 28,717, ,896 74,270,732 $ 3,128,426,587 LIABILITIES AND STOCKHOLDERS EQUITY: Deposits: Demand NOW accounts Savings Time, $250,000 and over Other time Total deposits Accrued interest and other liabilities Borrowed funds TOTAL LIABILITIES STOCKHOLDERS EQUITY: Common stock, par value $2,920; authorized and 352 outstanding shares Surplus Retained earnings Total stockholders equity TOTAL LIABILITIES AND STOCKHOLDERS EQUITY LETTERS OF CREDIT $16,782,828 $ 632,912, ,044, ,806,613 74,466, ,389,558 2,480,620,164 60,425, ,361,883 2,814,407,492 1,027, ,972, ,018, ,019,095 $ 3,128,426,587 DIRECTORS MICHAEL E. SCHRAGE Centier Bank President, CEO, & Chairman of the Board Merrillville, IN MICHAEL BARKER C.P.A., Consultant, Adjunct Professor Pendleton, IN TIM BRUST Wille, Stiener & Brust, Inc. Valparaiso, IN MICHAEL D. CAHILL C.P.A., CEO-AWS Foundation Fort Wayne, IN JENNIFER CALLISON Mike Thomas Associates Fort Wayne, IN ALBERT L. GUTIERREZ Saint Joseph Regional Medical Center Mishawaka, IN

4 CONSOLIDATED STATEMENT OF INCOME FOR THE YEAR ENDED DECEMBER 31, 2015 Lake Porter Tippecanoe LaPorte St. Joseph Marshall Hamilton Elkhart Allen Marion INTEREST INCOME: Interest and fees on loans Interest on investment securities U.S. Government obligations Obligations of states and political subdivisions. Other securities Interest on deposits in banks INTEREST EXPENSE: Interest on deposits Interest on Federal funds purchased and securities sold under repurchase agreements Interest on borrowed funds Net interest income Provision for loan losses Net interest income after loan losses $ 99,574, ,157 2,072,876 2,301, , ,381,654 4,904,906 2, ,361 5,303,793 99,077,861 3,700,000 95,377,861 OTHER INCOME: Wealth Management fees Deposit Service fees Gain on sale of securities Card interchange fees Mortgage banking income Other OTHER EXPENSES: Salaries Profit sharing and other employee benefits Occupancy expenses, net Other operating expenses Income before income taxes Income tax expense NET INCOME $ 6,441,621 13,374, ,348 9,020,308 6,653,587 6,209,497 41,920,071 38,932,969 9,233,725 14,059,222 23,368,068 85,593,984 51,703,948 19,500,000 32,203,948 DIRECTORS TIM HEALY Holladay Properties Portage, IN MICHAEL LEEP, SR. Gurley-Leep Automotive Management Corporation Mishawaka, IN JOE SEAMAN Greater Lafayette Commerce (Retired) Lafayette, IN KEVIN M. SULLIVAN Katz, Sapper, & Miller Indianapolis, IN JOHN WILLIS MBAH Insurance Lafayette, IN HAROLD (SONNY) WYLAND Wyland, Humphrey, & Clevenger, LLP Plymouth, IN

5 OFFICE LOCATIONS ALLEN COUNTY FORT WAYNE *9921 DuPont Circle Dr. West, Suite 110 ELKHART ELKHART *303 County Rd. 17 HAMILTON CARMEL *568 E. Carmel Dr. LAKE COUNTY CEDAR LAKE *9704 Lincoln Plaza Center CROWN POINT *Downtown E. Joliet St. *North N. Main St. *South S. Court St. *10851 Broadway DYER *1121 Sheffield Ave. EAST CHICAGO *720 W. 145th St. GARY *504 Broadway, Suite 102 *650 S. Lake St. *4883 Broadway GRIFFITH *500 N. Broad St. HAMMOND *5433 Hohman Ave. * th St. (Inside Van Til s) HIGHLAND *9701 Indianapolis Blvd. *9102 Indianapolis Blvd. HOBART *433 Main St. *7760 E. 37th Ave. LOWELL *1914 E. Commercial Ave. *Express E. Commercial Ave. MERRILLVILLE *8310 Broadway *3198 E. 81st Ave. (Corner of Colorado and U.S. 30) *6001 Broadway (Inside Ultra Foods) MUNSTER *9716 White Oak Ave. SCHERERVILLE *5191 W. Lincoln Hwy. *1515 US Highway 41 (Inside of Strack & Van Til) COMING SPRING 2016 ST. JOHN *9151 Wicker Ave. (U.S. Hwy. 41) *9825 Wicker Ave. (U.S. Hwy. 41) WHITING * th St. WINFIELD *8020 E. 109th Ave. LA PORTE COUNTY LA PORTE *73 Pine Lake Ave. MARION COUNTY INDIANAPOLIS *1 N. Pennsylvania St. MARSHALL COUNTY PLYMOUTH OAK DRIVE *537 N. Oak Dr. PORTER COUNTY CHESTERTON Downtown Broadway *Express Grant St. *South S. Calumet Rd. PORTAGE *3220 Willowcreek Rd. * 6046 Central Ave. (Inside Town & Country Market) SOUTH HAVEN *390 West U.S. Hwy. 6 VALPARAISO *Centier Square Lincolnway *North Calumet Ave. *South Morthland Dr. *East La Porte Ave. *1605 Calumet Ave. (Inside Town & Country Market) ST. JOSEPH MISHAWAKA *255 E. Day Rd. TIPPECANOE COUNTY LAFAYETTE *323 Columbia St. Suite 1A *1921 Veterans Memorial Pkwy S. WEST LAFAYETTE *1020A Sagamore Park Ctr. *2636 U.S. 52 (Inside Meijer) CORPORATE HEADQUARTERS MERRILLVILLE 600 E. 84th Ave..com *ATM Locations 756-BANK Centier Member FDIC