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Mid America Bank

Footville, WI · Cert 15183

FDIC · 2 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Mid America Bank

Footville, WI · Cert 15183

FDIC · 2 branches

Q2 2016

$81.3MAssets
$57.6MLoans
$71.5MDeposits
$9.5MEquity
Loan mix
77%RE $34.5M23%C&I $10.1M0%Consumer $0.2MQ2 2015Q2 2016
Deposit mix
85%Interest-bearing $60.9M15%Noninterest $10.7MQ2 2015Q2 2016

NIM

4.22%Q2 ’143.95%Q2 ’153.96%Q2 ’16-7%+1%

Non-interest income vs. expense

4.13%Q2 ’144.25%Q2 ’154.27%Q2 ’16-5%-2%

Market Position · Janesville-Beloit, WI · 2016 SOD (annual) · 1.2% share · #14 of 19 inst. · $0.0B of $2.3B

2.6% Walworth
1.2% Rock

Executive Summary

  • Earnings: ROA of -0.35%, down 4 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.16%, up 77 bps from a year ago.
  • Funding: loans stand at 80.44% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.35%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+4 bps YoY

Efficiency Ratio (YTD, annualized)

106.84%-316 bps YoY

Tier 1 Leverage Ratio

11.16%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.31%-0.21%-0.04%-0.18%-0.35%-4 bps
Return on Equity-2.87%-1.95%-0.36%-1.56%-3.04%-17 bps
Net Interest Margin3.32%3.19%3.20%3.18%3.36%+4 bps
Efficiency Ratio110.00%114.42%112.21%102.51%106.84%-316 bps
Non-Interest Burden3.77%3.80%3.73%3.35%3.71%-7 bps
Growth
Asset Growth (YoY)-9.67%-5.79%-9.27%-5.44%-5.53%+414 bps
Loan Growth (YoY)-6.72%-7.19%-3.02%-4.19%0.53%+725 bps
Deposit Growth (YoY)-10.20%-6.02%-12.06%-5.48%-5.96%+424 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.24%0.99%0.72%0.06%0.03%+27 bps
Allowance / Loans3.87%2.60%2.54%2.62%2.62%-125 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.39%10.42%10.60%10.71%11.16%+77 bps
Total Risk-Based Capital17.62%17.71%16.53%16.75%16.78%-84 bps
Equity / Assets10.98%10.78%11.33%11.49%11.63%+66 bps
Liquidity & Funding
Loans / Deposits75.25%74.56%83.16%78.83%80.44%+519 bps
Liquid Assets / Assets0.65%1.47%3.94%3.99%4.11%+346 bps
CRE / Total Capitaln/an/an/an/an/an/an/a