Ralph E. 'Gene' Coffman, Jr.

1319 Wetsell Avenue * Lancaster, Ohio 43130 * Telephone: 740.653.1221 * Mobile:

740.649.5325
Email: rc8e5df2@westpost.net
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CEO/President of Banking Operations & Turnaround Specialist
Specialty Areas Include
Revenue Generation * P&L Improvements * Mergers/Acquisitions * Increasing Shareh
older Value
Financial Planning & Budgeting * Building Brand Awareness * New Product Developm
ent & Introductions
BBA (Accounting), CEO/President of Banking Operations & Turnaround Specialist, w
ith more than 20 years of experience in financial organizations ranging from $95
million to $2.4 billion in assets.
Experience encompasses serving as CEO/President for a financial services holding
company with 425 FTEs in 40 banking offices located in Central and Southern Ohi
o that generated in a 36 month period asset base growth from $934 million to $1.
3 billion.
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Career Highlights
* As President/CEO for Oak Hill Financial Inc. grew holding company asset-base i
n a 36 month period by 39% from $934 million to $1.3 billion while achieving 21%
organic growth via opening of 8 'de novo' offices, with the remaining growth re
sulting from the successful acquisition of a $50 million national bank, and a $1
20 million state-chartered thrift.
* Spearheaded over a 3 year period the strategic acquisition of a $121 million s
tate-chartered thrift and managed all aspects of the successful conversion proce
ss to a state-chartered financial institution. Consequently, process included hi
ring entire executive management team, opening 2 de novo offices, and growing as
sets by 87.5%.
* Assumed President/CEO position of a small independent national bank facing a t
hreatened regulatory 'cease and desist' order as the result of a $3.4 million in
ternal embezzlement. Subsequently, accomplished the following 4 items: 1) Achiev
ed bank recapitalization; 2) Stopped a depository runoff; 3) Replaced 50% of the
staff; and 4) Returned bank to record profit levels within a 24 month period.
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Benefit Statement
Demonstrated 20+ track record as banking President/CEO with repeated success in
growing multiple types of banking and financial institutions while selecting the
most promising mergers and acquisition opportunities. Grew 3 different banking
institutions in excess of 40% within a 3-5 year time span, while maintaining acc
eptable profit levels and regulatory ratings.
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Key Areas of Expertise
Creating a Shared Operational Vision * Instituting Continuous Quality Improvemen
ts * Leadership by Example * Quantitative & Qualitative Analysis * Evaluating &
Addressing Financial Exposure * Conducting Due Diligence * Strategic Planning &
Implementation * Ability to Motivate & Engage Others * High Standards of Ethics
& Integrity * Diplomatic Change Agent.
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Professional Experience & Accomplishments
WesBanco Bank, Cincinnati, Ohio (Left due to organizational downsizing) 2007 to
2009
($5.6 Billion multi-bank holding company operating retail, commercial, and trust
services in the states of West Virginia, Pennsylvania, and Ohio)
President - Scope of duties consisted of accepting a 1-year contract to serve as
President of the State of Ohio Retail and Commercial Banking operations. Commis
sioned to lead the integration of 2 in-state competitors into a $2.5 billion sta
te-wide commercial bank.
* Collaborated as a member of a closely knit team with facilitating and administ
ering the acquisition and integration of four Banking Offices totaling $650 Mill
ion in deposits into the existing Columbus Market Area.

Ralph E. 'Gene' Coffman Jr. Page Two

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* Supervised all aspects of combining 31 Oak Hill Banks banking offices and 17 W
esBanco Bank offices into 4 distinct Ohio market areas; resulting in reduction o
f 75 - 100 employees.
* Initiated and completed sale of 8 banking offices to 3 different financial ins
titutions prior to final consummation of WesBanco Bank acquisition of Oak Hill B
anks.
Oak Hill Financial Inc. (Oak Hill Banks), Jackson, Ohio 1996 to 2007
($1.3 Billion Bank Holding Company, headquartered in Jackson, Ohio with banking
offices throughout central and southern Ohio)
Holding Company President/Chief Executive Officer (Jackson, Ohio, 2004-2007) - P
rimary duties focused on managing all activities of corporation which operated 3
7 banking offices and 1 loan production office in 16 counties across Southern an
d Central Ohio, including insurance and brokerage subsidiaries.
* Provided visionary leadership to successfully grow asset-base of corporation,
from $934 million to $1.3 billion (21% organic growth).
* Directed acquisition activities that acquired a $50 million National Bank in 2
004, and a $120 million Thrift in 2005.
President & Chief Administrative Officer (Jackson, Ohio, 2002-2004) - Charged wi
th directing the daily operations of Oak Hill Financial Inc. and its subsidiarie
s Oak Hill Banks, Action Finance Company, Oak Hill Financial Insurance Agency, a
nd Oak Hill Title Agency, LLC. The company operates 24 full service banking offi
ces, 5 bank loan production offices, and 6 consumer finance offices.
* Established new streamlined regional organizational structure, opened 2 de nov
o offices, sold-off 8-office finance company, and upgraded core processing syste
m.
President/CEO, Towne Bank (Subsidiary, Oak Hill, Cincinnati, Ohio, 1999-2002) -
Responsible for managing the overall development and growth of the banking insti
tution in the Cincinnati and surrounding market areas. Initially the bank consis
ted of 8 banking offices with approximately $121 million in assets.
* Administered acquisition, charter conversion, staff hiring, and ultimate merge
r into lead bank subsidiary of Oak Hill Financial Inc. During the 3-year period
as President/CEO directed organic asset growth from $121 million to $240 million
.
Area President/Branch Administrator (1996-1999) - Duties included supervising 15
office banking regions, which included responsibility for branch openings, staf
f hiring, formation of all operational procedures, and management of all areas o
f business development.
* Co-designed, developed and implemented a 5-year 'de novo' branch opening polic
y with a strategic marketing goal of opening 2-3 offices per year.
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Prior 1996 Professional Experience
3C's Snax, Inc., New Lexington, Ohio Owner/President 1995 to 1996
American Community National Bank, Lima, Ohio President & Chief Executive Officer
1988 to 1994
BancOhio National Bank, Bellefontaine, Ohio Area President 1985 to 1988
Florida National Bank, Jacksonville, Florida Regional Vice President of Retail
Lending 1984 to 1985
BancOhio National Bank, Ohio Regional President (1984)
Area President, Perry County (1983-1984); Vice President & Administrative Divisi
on Manager (1979-1983) 1979 to 1984
Capital Financial Services Inc., Columbus, Ohio Branch Manager 1971 to 1979
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Education & Professional Development
Bachelor of Business Administration/Accounting, Franklin University, Columbus, O
hio
High Performance Banking Program, Alex Sheshunoff & Company
School of Commercial Credit, Ohio University, Athens, Ohio
Graduate School of Banking, Ohio University, Athens, Ohio
National Institute of Consumer Credit, Marquette University, Milwaukee, Wisconsi
n

Ralph E. 'Gene' Coffman Jr. Page Three

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Endorsements
"I have worked for Gene at several different financial institutions over a perio
d of 25 years. Gene is a visionary leader with an exceptional ability to lead an
d motivate his staff to achieve any objectives. Over the years, he has been the
officer of choice by many of the employees for his ability to guide and counsel
career paths and personal goals. I would consider Gene to be one of the finest o
fficers that I have worked with in my career."
Miles Armentrout, EVP/Senior Lending Officer
Oak Hill Banks
"Ralph E. "Gene" consistently exhibited positive and effective leadership qualit
ies. He instilled accountability throughout the organization through clear expec
tations and organizational communications. Gene has vision and the skill-set to
turn thought into action and results."
Michael Comperchio President
Ultrova Wealth Resources Inc.
"Gene is one of those rare 'C' level executives that get sales. As many banks wh
ere at the time, Gene's bank was fighting through increased expenses as a result
of compliance issues and decreased revenues as a result of uncertain economic i
ssues. Instead of just focusing on managing expenses he invested in his people t
o drive sales. It is one thing to invest money, that's the easy part. But Gene i
nvested himself and his executive staff into the process. Gene will provide grea
t leadership to an organization not just by what he says but also by what he doe
s. A great example of 'shadow of the leader', Gene rolls up the sleeves and gets
in the dirt with rest of company. He leverages himself by expecting the same of
his direct reports. You can expect things to get done, people to improve and re
sults to be generated with Gene at the helm."
Tony Cole, President
Anthony Cole Training Group LLC
"Gene is a proven leader and was a pleasure to work for. He has great visionary
skills and supports his Team to get the job done. Gene has a unique ability to n
ot only get the support of his executive staff, but to get the staff to exceed a
bove and beyond. I count it a privilege and great learning experience to have wo
rked with Gene."
Brian Noble, CEO of Insurance,
Oak Hill Banks / Oak Hill Insurance Agency
"I have worked many years with Mr. Coffman and respect his banking experience an
d judgment as well as his personal values and character. My experience with Mr.
Coffman is as a client, a bank and holding company CEO and president, and as a f
ellow bank director."
"I can attest that Gene has extensive practical experience as a banker, as chief
executive officer and as a banking executive in other capacities. In addition
to significant banking experience, he has exceptional "people" skills.
I served as outside counsel and as a director for Oak Hill Banks when Mr. Coffma
n joined this organization. He excelled at this institution from the beginning o
f his tenure, rising rapidly to run the bank's western division and ultimately t
o serve as the chief executive officer of the institution. During that time Mr.
Coffman excelled at communicating with board members as he took on a series of
challenges. During Mr. Coffman's time as CEO, its holding company was a public,
SEC reporting institution and he was frequently required to address bank analyst
s and others in connection with the bank's earnings reports."
"Mr. Coffman managed an expansion of the Oak Hill Banks operations, assimilating
a number of banking and non-banking organizations in the process. And he was i
nstrumental in planning and implementing the process that ultimately led to the
sale of the institution for an exceptional premium to book value."
H. Grant Stephenson, Attorney At Law