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Hometown Bank

Saint Cloud, WI · Cert 12781

FDIC · 11 branches

Q4 2022

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 2022, the quarter ended December 31, 2022, 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 2026-10-11

Hometown Bank

Saint Cloud, WI · Cert 12781

FDIC · 11 branches

Q4 2022

$654.0MAssets
$417.5MLoans
$564.3MDeposits
$80.7MEquity
Loan mix
68%RE $261.0M31%C&I $119.1M0%Consumer $1.1MQ4 2021Q4 2022
Deposit mix
66%Interest-bearing $373.7M34%Noninterest $190.6MQ4 2021Q4 2022

NIM

3.43%Q4 ’203.21%Q4 ’213.52%Q4 ’22-3%+7%

Non-interest income vs. expense

2.54%Q4 ’202.17%Q4 ’212.16%Q4 ’22-22%+47%

Market Position · Fond du Lac, WI · 2022 SOD (annual) · 8.4% share · #4 of 11 inst. · $0.2B of $2.6B

8.4% Fond Du Lac
10.2% Columbia
20.7% Waushara
0.2% Dane

Executive Summary

  • Earnings: ROA of 1.53%, up 7 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.70% of loans (+34 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.23%, up 103 bps from a year ago.
  • Funding: loans stand at 73.98% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

1.53%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+23 bps YoY

Efficiency Ratio (YTD, annualized)

49.46%+270 bps YoY

Tier 1 Leverage Ratio

12.23%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets1.46%1.05%1.22%1.39%1.53%+7 bps
Return on Equity12.08%8.78%10.05%11.38%12.57%+49 bps
Net Interest Margin3.14%2.75%3.03%3.30%3.37%+23 bps
Efficiency Ratio46.76%57.64%54.71%51.46%49.46%+270 bps
Non-Interest Burden0.87%1.33%1.38%1.38%1.28%+41 bps
Growth
Asset Growth (YoY)8.84%4.84%-0.59%-2.16%-0.56%-940 bps
Loan Growth (YoY)-3.37%-2.27%4.43%5.94%0.29%+366 bps
Deposit Growth (YoY)9.59%5.18%-0.05%-1.80%-0.17%-976 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.35%0.26%0.08%0.70%+34 bps
Net Charge-Offs / Loans0.03%0.00%0.00%-0.04%0.04%+1 bps
Allowance / Loans1.88%1.90%1.87%1.88%1.84%-5 bps
Allowance Coverage of NPLs5.3x5.4x7.1x24.1x2.6x-2.6x
Capital
Tier 1 Leverage Ratio11.20%11.19%11.69%12.02%12.23%+103 bps
Total Risk-Based Capital18.15%18.85%19.30%19.20%19.89%+174 bps
Equity / Assets11.85%12.00%12.50%12.40%12.34%+48 bps
Liquidity & Funding
Loans / Deposits73.64%74.31%77.91%78.97%73.98%+34 bps
Liquid Assets / Assets23.84%21.30%17.73%16.31%19.39%-446 bps
CRE / Total Capitaln/an/an/an/an/an/an/a