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First National Bank

Waupaca, WI · Cert 15149

FDIC · 9 branches

Q3 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: Q3 2017, the quarter ended September 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

First National Bank

Waupaca, WI · Cert 15149

FDIC · 9 branches

Q3 2017

$429.1MAssets
$350.7MLoans
$353.2MDeposits
$74.6MEquity
Loan mix
88%RE $210.2M10%C&I $24.6M2%Consumer $5.3MQ3 2016Q3 2017
Deposit mix
81%Interest-bearing $284.7M19%Noninterest $68.5MQ3 2016Q3 2017

NIM

4.97%Q3 ’154.52%Q3 ’164.71%Q3 ’17-11%+4%

Non-interest income vs. expense

3.61%Q3 ’153.59%Q3 ’163.59%Q3 ’17+130%-2%

Market Position · Appleton, WI · 2017 SOD (annual) · 1.0% share · #17 of 31 inst. · $0.0B of $4.1B

31.3% Waupaca
1.2% Outagamie
3.8% Barron
6.6% Childress

Executive Summary

  • Earnings: ROA of 0.85%, up 160 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 5.27% of loans (+527 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 17.03%, up 209 bps from a year ago.
  • Funding: loans stand at 99.31% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.85%+160 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+17 bps YoY

Efficiency Ratio (YTD, annualized)

80.68%-468 bps YoY

Tier 1 Leverage Ratio

17.03%+209 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.75%-1.27%0.70%0.69%0.85%+160 bps
Return on Equity-4.97%-8.41%4.67%4.48%5.33%+1,030 bps
Net Interest Margin4.00%4.08%3.84%3.95%4.17%+17 bps
Efficiency Ratio85.37%82.06%82.77%84.00%80.68%-468 bps
Non-Interest Burden3.39%3.30%3.14%3.28%3.31%-7 bps
Growth
Asset Growth (YoY)-12.06%-11.56%-9.94%-13.60%-12.86%-80 bps
Loan Growth (YoY)-7.77%-9.09%-12.27%-12.13%-13.15%-538 bps
Deposit Growth (YoY)-11.79%-10.25%-10.10%-14.48%-14.79%-299 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%6.78%5.19%5.27%+527 bps
Net Charge-Offs / Loans1.06%2.64%-0.55%-0.22%0.14%-92 bps
Allowance / Loans5.11%4.76%5.12%5.19%5.19%+8 bps
Allowance Coverage of NPLsn/an/a0.8x1.0x1.0xn/a
Capital
Tier 1 Leverage Ratio14.94%14.70%15.40%16.15%17.03%+209 bps
Total Risk-Based Capital19.65%19.47%20.50%21.40%22.48%+283 bps
Equity / Assets15.47%14.87%15.26%16.49%17.38%+191 bps
Liquidity & Funding
Loans / Deposits97.44%96.20%93.29%98.84%99.31%+187 bps
Liquid Assets / Assets5.18%4.69%4.70%2.70%2.61%-257 bps
CRE / Total Capitaln/an/an/an/an/an/an/a