EX-99.1 2 d484006dex991.htm EX-99.1 EX-99.1
LaPorte Bancorp, Inc.
LPSB
Investor Presentation
February 2013
Michele
M.
Thompson
–
President
&
Chief
Financial
Officer
Exhibit 99.1

Forward-Looking Statements
2
The presentation contains “forward-looking statements” within the meaning of Section 27A of the
Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as
amended. We intend such forward-looking statements to be covered by the safe harbor provisions for
forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and are
including this statement for purposes of said safe harbor provisions. You can identify these forward-
looking statements through our use of the words such as “may”, “will”, “anticipate”, “assume”, “should”,
“indicate”, “would”, “believe”, “contemplate”, “expect”, “estimate”, “continue”, “plan”, “project”, “could”,
“intend”, “target” and other similar words and expressions of the future. These forward-looking
statements include, but are not limited to:
Statements of our goals, intentions and expectations;
Statements regarding our business plans, prospects, growth and operating strategies;
Statements regarding the asset quality of our loan and investment portfolios; and
Estimates of our risks and future costs and benefits.
These forward-looking statements are based on current beliefs and expectations of our management
and are inherently subject to significant business, economic and competitive uncertainties and
contingencies, many of which are beyond our control. In addition, these forward-looking statements
are subject to assumptions with respect to future business strategies and decisions that are subject to
change.

Forward-Looking Statements (continued)
The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations express in
the forward-looking statements:
3
general economic conditions, either nationally or in our market areas, that are worse than expected;
changes in prevailing real estate values and loan demand, both nationally and within our current and future market area;
inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments;
increased competitive pressures among financial services companies;
changes in consumer spending, borrowing and savings habits;
the amount of assessments and premiums we are required to pay for FDIC deposit insurance;
legislative or regulatory changes that affect our business, including the Dodd-Frank Act and its impact on our compliance costs or capital
requirements;
changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the financial Accounting Standards
Board, the Securities and Exchange Commission and Public Company Accounting Oversight Board;
our ability to successfully manage our commercial lending;
our ability to enter new markets successfully and capitalize on growth opportunities;
our ability to successfully integrate acquired entities;
changes in our organization, compensation and benefit plans;
changes in the financial condition, results of operations or future prospects of issuers or securities that we own;
the financial health of certain entities, including government sponsored enterprises, the securities of which are owned or acquired by us;
adverse changes in the securities market;
the costs, effects and outcomes of existing or future litigation;
the economic impact of past and any future terrorist attacks, acts of war or threats thereof and the response of the United States to any
such threat and attacks;
the success of our mortgage warehouse lending program, including the impact of the Dodd-Frank Act on the mortgage companies; and
our ability to manage the risks associated with the foregoing factors as well as the anticipated factors.
This list of important factors in not all inclusive.  For a discussion of these and other risks that may cause actual results to differ from
expectations, please refer to the Company’s Prospectus dated August 10, 2012 on file with the SEC.  Readers are cautioned not to place undue
reliance on the forward-looking statements contained herein, which speak only as of the date of the Presentation. Except as required by
applicable law or regulation, we do not undertake, and specifically disclaim any obligation, to update any forward-looking statements, whether
written or oral, that may be made from time to time by or on behalf of the Company or The LaPorte Savings Bank.

Deposit Market Share - La Porte County, IN
2012
Rank
Institution (ST)
Type
2012
Number of
Branches
2012
Deposits in
Market
($000)
2012
Market
Share
(%)
1
Horizon Bancorp (IN)
Bank
6
544,999
33.28
2
LaPorte Bancorp Inc (IN)
Thrift
7
304,117
18.57
3
Wells Fargo & Co. (CA)
Bank
1
298,037
18.20
4
1st Source Corp. (IN)
Bank
5
188,880
11.53
5
PNC Financial Services Group (PA)
Bank
4
141,138
8.62
Total For Institutions In Market
32
1,578,116
Franchise Overview
Established in 1871
Eight full-service locations in
LaPorte and Porter Counties
Acquired Indiana based City
Savings Financial Corp in an
MHC conversion / acquisition
in 2007
Completed second step
conversion in October of 2012
4
(1)
FDIC  June 30, 2012 deposit information
1

Experienced Management Team
Lee
A.
Brady
–
Chief
Executive
Officer
&
Director
•
Serves as Chairman & CEO of The LaPorte Savings Bank
•
Started career at The LaPorte Savings Bank in 1974
•
Graduate of Indiana University and the Graduate School of Banking at the University
of Wisconsin-Madison
Michele M. Thompson –
President, Chief Financial Officer & Director
•
Joined The LaPorte Savings Bank in 2003
•
More than 30 years of banking experience
•
Graduate of Ball State University and holds an MBA from Indiana University
Daniel
P.
Carroll
–
Executive
Vice
President
and
Chief
Credit
Officer
•
Joined The LaPorte Savings Bank in 2011
•
More than 15 years of commercial lending and management experience
•
Graduate of Notre Dame and the Graduate School of Commercial Lending at the
University of Oklahoma
Patrick W. Collins –
Senior Vice President , Mortgage Warehouse Lending
•
Joined the LaPorte Savings Bank in 2009
•
More than 15 years of mortgage warehouse lending experience
•
Graduate of DeVry University in Columbus, OH
Kevin N. Beres –
Senior Vice President, Lending
•
Joined The LaPorte Savings Bank in 2007
•
More than 17 years of banking experience
•
Graduate of Indiana University and the Graduate School of Banking at the University
of Wisconsin-Madison
5
L. Charles Lukmann, III              
Partner, Harris, Welsh & Lukmann
Dale A. Parkison, C.P.A.              
President, Parkison & Hinton, Inc. P.C.
Robert P. Rose                      
Presdient Harbor Trust & Investment
Management Company
Michele M. Thompson                
President & CFO, The LaPorte Savings Bank
Board of Directors
Paul G. Fenker                      
Chairman of the Board of LaPorte Bancorp
Owner, Fenker's Fine Furniture
Jerry L. Mayes                      
Vice Chairman of the Board          
Retired, Mayes Management
Lee A. Brady                        
Chairman & CEO, The LaPorte Savings Bank
Ralph F. Howes                     
Senior Partner, Howes & Howes
Mark A. Krentz                      
CEO, Thanhardt Burger

Our Story
Strong Balance Sheet
–
Capital
–
Clean Asset Quality
Consistent Earnings
–
ROAA increased from 0.65% in 2009 to 0.91% in 2012
Steady Loan Growth:
–
Commercial
–
Mortgage Warehouse
–
Retail
Strong Core Deposit Base
6

Business Strategy
Quality
–
Maintaining loan portfolio quality
–
Staff
–
Product lines
Growth
–
Increasing commercial business lending
–
Focus on mortgage warehouse lending
–
Continued growth in core retail banking franchise
–
Continued growth in earnings and profitability
Service
–
Customers
–
Communities we serve
7

Loan Composition
8
Historical Loan Trends ($MM)
Loan Composition
Loan Type ($000)
12/31/2009
12/31/2010
12/31/2011
12/31/2012
Commercial
82,249
31.8%
91,393
33.0%
98,149
32.8%
94,030
29.6%
Commercial & Industrial
18,122
7.0%
17,977
6.5%
18,017
6.0%
20,179
6.3%
Mortgage
70,126
27.1%
57,144
20.6%
45,576
15.2%
36,996
11.6%
Mortgage Warehouse
43,765
16.9%
69,600
25.1%
103,864
34.7%
137,467
43.3%
Construction & Land
17,173
6.6%
17,627
6.4%
13,440
4.5%
11,829
3.7%
Home Equity
15,704
6.1%
14,187
5.1%
12,966
4.3%
12,267
3.9%
Consumer and Other
11,790
4.6%
8,985
3.2%
6,942
2.3%
5,018
1.6%
Total Loans
$258,929
100.0%
$276,913
100.0%
$298,954
100.0%
$317,786
100.0%
% of
Total
% of
Total
% of
Total
% of
Total
Note:
Total
loans
excludes
deferred
loan
fees
and
loans
held
for
sale
$259
$277
$299
$318
$0
$50
$100
$150
$200
$250
$300
$350
12/31/09
12/31/10
12/31/11
12/31/12
Commercial
Commercial & Industrial
Mortgage
Mortgage Warehouse
Construction & Land
Home Equity
Consumer and Other
Series8
29.6%
6.3%
11.6%
43.3%
3.7%
3.9%
1.6%

Deposit Composition
9
Historical Deposit Trends ($MM)
Deposit Composition
Deposit Type ($000)
12/31/2009
12/31/2010
12/31/2011
12/31/2012
Non-interest Bearing
34,066
12.5%
34,999
11.0%
38,977
11.7%
50,892
14.6%
Savings, Now, MMA
94,931
34.7%
133,834
42.2%
160,308
48.1%
173,247
49.6%
CDs and IRAs
144,411
52.8%
148,505
46.8%
134,275
40.3%
124,831
35.8%
Total Deposits
$273,408
100.0%
$317,338
100.0%
$333,560
100.0%
$348,970
100.0%
% of
Total
% of
Total
% of
Total
% of
Total
$273
$317
$334
$349
$0
$50
$100
$150
$200
$250
$300
$350
$400
12/31/09
12/31/10
12/31/11
12/31/12
Non-interest Bearing
Savings, Now, MMA
CDs and IRAs
14.6%
49.6%
35.8%

2.04
1.89
1.55
1.88
0.00
0.50
1.00
1.50
2.00
2.50
2009Y
2010Y
2011Y
2012Y
1.07
1.42
1.26
1.35
1.28
1.90
1.92
2.38
0.00
0.50
1.00
1.50
2.00
2.50
3.00
2009Y
2010Y
2011Y
2012Y
0.25
0.87
0.50
0.17
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
0.80
0.90
1.00
2009Y
2010Y
2011Y
2012Y
35.98
57.21
59.27
51.54
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
2009Y
2010Y
2011Y
2012Y
Asset Quality Profile
NPAs / Assets (%)
1
LLR / Loans (%)
LLR / NPLs (%)
Net Charge-Offs / Loans (%)
(1)
NPAs/Assets includes TDRs
10
Red
bar
=
LLRs/Loans
Gray
bar
=
LLRs/Loans 
excluding
mortgage
warehouse
loans and the
reserves held
against those
loans

0.65
0.61
0.72
0.91
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
0.80
0.90
1.00
2009Y
2010Y
2011Y
2012Y
5.25
5.12
6.15
6.91
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
8.00
2009Y
2010Y
2011Y
2012Y
3.21
3.59
3.31
3.57
0.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
4.00
2009Y
2010Y
2011Y
2012Y
74.66
62.06
68.36
63.34
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
2009Y
2010Y
2011Y
2012Y
Profitability
ROAA (%)
ROAE (%)
Efficiency Ratio (%)
Net Interest Margin (%)
11

Consistent Growth in Earnings Per Share
Our management team has been consistently focused on generating profits for
our shareholders
12
Earnings
Per
Share
($)
1
(1)     EPS calculation is exchange ratio adjusted
0.42
0.44
0.55
0.72
-
0.10
0.20
0.30
0.40
0.50
0.60
0.70
0.80
0.90
1.00
2009Y
2010Y
2011Y
2012Y

Strong Capital Position
LaPorte maintains a low risk profile with strong capital levels
13
Strong Capital Levels
10.2
9.4
10.0
15.6
-
4.0
6.0
8.0
10.0
12.0
14.0
16.0
18.0
2009Y
2010Y
2011Y
2012Y
2.0

Use of Proceeds / Capital Management
Deliberate growth
–
Organic and select acquisitions
Cash dividends
–
LPSB currently pays a $0.04 per share cash dividend
Share repurchases, once permitted
1
14
(1)
Under current FRB regulations, we may not repurchase shares of our common stock during the first year following the completion of the
conversion, except when extraordinary circumstances exist and with prior regulatory approval.

Investment Conclusions
Experienced community banking team
Well positioned for future growth
Continued focus on shareholder returns
15

Questions?