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Beacon Bank

Shorewood, MN · Cert 10581

FDIC · 6 branches

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Beacon Bank

Shorewood, MN · Cert 10581

FDIC · 6 branches

Q4 2015

$350.0MAssets
$210.9MLoans
$299.6MDeposits
$34.4MEquity
Loan mix
58%RE $98.5M37%C&I $62.7M4%Consumer $7.2MQ4 2014Q4 2015
Deposit mix
77%Interest-bearing $231.3M23%Noninterest $68.3MQ4 2014Q4 2015

NIM

3.72%Q4 ’133.96%Q4 ’143.76%Q4 ’15+8%-4%

Non-interest income vs. expense

2.68%Q4 ’132.95%Q4 ’142.67%Q4 ’15+14%-10%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.2% share · #29 of 154 inst. · $0.3B of $171.1B

0.3% Hennepin
1.3% St. Louis

Executive Summary

  • Earnings: ROA of 1.33%, up 29 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.73%.
  • Funding: loans stand at 70.39% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

1.33%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-15 bps YoY

Efficiency Ratio (YTD, annualized)

68.68%-399 bps YoY

Tier 1 Leverage Ratio

9.73%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets1.04%1.06%1.09%1.30%1.33%+29 bps
Return on Equity10.38%10.72%11.23%13.50%13.72%+334 bps
Net Interest Margin3.63%3.53%3.53%3.40%3.49%-15 bps
Efficiency Ratio72.68%71.19%71.46%69.53%68.68%-399 bps
Non-Interest Burden2.52%2.43%2.41%2.25%2.27%-25 bps
Growth
Asset Growth (YoY)-3.47%7.27%9.98%8.43%5.29%+877 bps
Loan Growth (YoY)5.34%10.49%13.41%9.44%4.82%-52 bps
Deposit Growth (YoY)-7.70%7.03%11.11%6.97%9.12%+1,682 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.40%0.00%0.08%-0.09%-0.05%-45 bps
Allowance / Loans1.52%1.48%1.41%1.34%1.37%-15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.77%9.69%9.51%9.73%n/a
Total Risk-Based Capital15.61%14.40%13.99%14.08%14.98%-63 bps
Equity / Assets10.28%9.44%9.37%9.55%9.84%-45 bps
Liquidity & Funding
Loans / Deposits73.28%69.80%70.78%72.26%70.39%-289 bps
Liquid Assets / Assets11.16%13.98%13.29%13.19%15.49%+433 bps
CRE / Total Capitaln/an/an/an/an/an/an/a