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Calumet County Bank

Brillion, WI · Cert 11607

FDIC · 2 branches

Q1 2016

$89.0MAssets
$47.7MLoans
$79.8MDeposits
$9.1MEquity
Loan mix
73%RE $29.7M25%C&I $9.9M2%Consumer $0.9MQ1 2015Q1 2016
Deposit mix
80%Interest-bearing $64.1M20%Noninterest $15.7MQ1 2015Q1 2016

NIM

3.71%Q1 ’143.65%Q1 ’153.10%Q1 ’160%-15%

Non-interest income vs. expense

3.08%Q1 ’143.13%Q1 ’153.01%Q1 ’16+5%-5%

Market Position · Appleton, WI · 2015 SOD (annual) · 2.2% share · #12 of 31 inst. · $0.1B of $3.8B

Executive Summary

  • Earnings: ROA of 0.13%, up 107 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 9.85%, up 9 bps from a year ago.
  • Funding: loans stand at 59.69% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.13%+107 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-52 bps YoY

Efficiency Ratio (YTD, annualized)

97.01%+988 bps YoY

Tier 1 Leverage Ratio

9.85%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-0.94%-0.29%-0.12%0.04%0.13%+107 bps
Return on Equity-9.56%-2.99%-1.21%0.45%1.29%+1,085 bps
Net Interest Margin3.39%3.36%3.28%3.22%2.87%-52 bps
Efficiency Ratio87.13%87.33%89.76%88.10%97.01%+988 bps
Non-Interest Burden2.92%2.91%2.91%2.81%2.77%-15 bps
Growth
Asset Growth (YoY)-2.76%3.96%0.54%3.61%0.54%+330 bps
Loan Growth (YoY)-1.23%-8.41%-7.75%-18.30%-20.77%-1,954 bps
Deposit Growth (YoY)-1.95%5.38%1.48%4.01%0.34%+229 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.00%0.13%0.55%0.60%+48 bps
Allowance / Loans3.40%3.58%3.56%3.66%3.61%+21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.76%9.81%9.76%9.80%9.85%+9 bps
Total Risk-Based Capital13.49%17.03%16.03%17.34%17.82%+433 bps
Equity / Assets9.96%9.67%9.83%9.43%10.18%+22 bps
Liquidity & Funding
Loans / Deposits75.60%69.99%69.04%56.75%59.69%-1,591 bps
Liquid Assets / Assets4.58%4.65%7.85%6.76%9.39%+482 bps
CRE / Total Capitaln/an/an/an/an/an/an/a