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State Bank of Cazenovia

Cazenovia, WI · Cert 15123

FDIC · 2 branches

Q2 2017

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: Q2 2017, the quarter ended June 30, 2017, 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

State Bank of Cazenovia

Cazenovia, WI · Cert 15123

FDIC · 2 branches

Q2 2017

$34.6MAssets
$17.3MLoans
$28.1MDeposits
$6.4MEquity
Loan mix
89%RE $11.4M4%C&I $0.5M7%Consumer $0.9MQ2 2016Q2 2017
Deposit mix
56%Interest-bearing $15.7M44%Noninterest $12.3MQ2 2016Q2 2017

NIM

3.27%Q2 ’153.09%Q2 ’163.11%Q2 ’17-5%+1%

Non-interest income vs. expense

2.90%Q2 ’152.88%Q2 ’162.71%Q2 ’17+0%-6%

Executive Summary

  • Earnings: ROA of 0.49%, up 18 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 1.41% of loans (+141 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 18.48%, up 155 bps from a year ago.
  • Funding: loans stand at 61.48% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.49%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+3 bps YoY

Efficiency Ratio (YTD, annualized)

83.78%-609 bps YoY

Tier 1 Leverage Ratio

18.48%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.31%0.31%0.36%0.42%0.49%+18 bps
Return on Equity1.85%1.87%2.11%2.39%2.72%+87 bps
Net Interest Margin3.02%3.04%3.01%2.96%3.05%+3 bps
Efficiency Ratio89.86%89.31%89.88%85.47%83.78%-609 bps
Non-Interest Burden2.68%2.69%2.68%2.49%2.52%-17 bps
Growth
Asset Growth (YoY)6.25%0.88%-6.17%-5.10%-4.43%-1,068 bps
Loan Growth (YoY)-2.45%-2.83%-5.14%-5.10%-5.11%-267 bps
Deposit Growth (YoY)7.66%1.09%-7.65%-6.53%-5.61%-1,327 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.02%1.41%+141 bps
Net Charge-Offs / Loans0.04%0.01%0.01%0.02%0.02%-2 bps
Allowance / Loans2.23%2.23%2.31%2.35%2.35%+12 bps
Allowance Coverage of NPLsn/an/an/a135.7x1.7xn/a
Capital
Tier 1 Leverage Ratio16.93%17.29%17.25%17.50%18.48%+155 bps
Total Risk-Based Capital37.15%37.74%38.59%40.25%40.95%+380 bps
Equity / Assets17.40%17.53%16.96%18.11%18.63%+123 bps
Liquidity & Funding
Loans / Deposits61.16%61.71%56.91%60.04%61.48%+32 bps
Liquid Assets / Assets44.42%45.38%47.02%47.27%44.11%-31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a