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Walworth State Bank

Walworth, WI · Cert 15231

FDIC · 4 branches

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Walworth State Bank

Walworth, WI · Cert 15231

FDIC · 4 branches

Q4 2015

$275.6MAssets
$176.1MLoans
$241.3MDeposits
$28.8MEquity
Loan mix
93%RE $128.8M3%C&I $3.7M4%Consumer $5.6MQ4 2014Q4 2015
Deposit mix
79%Interest-bearing $189.8M21%Noninterest $51.5MQ4 2014Q4 2015

NIM

4.09%Q4 ’133.89%Q4 ’143.75%Q4 ’15-2%-2%

Non-interest income vs. expense

2.49%Q4 ’132.41%Q4 ’142.18%Q4 ’15-10%-9%

Executive Summary

  • Earnings: ROA of 1.93%, up 17 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 10.34%.
  • Funding: loans stand at 73.00% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

1.93%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-6 bps YoY

Efficiency Ratio (YTD, annualized)

53.80%-377 bps YoY

Tier 1 Leverage Ratio

10.34%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets1.75%1.86%1.96%1.91%1.93%+17 bps
Return on Equity15.75%16.01%17.05%16.95%17.33%+159 bps
Net Interest Margin3.57%3.63%3.75%3.58%3.51%-6 bps
Efficiency Ratio57.58%56.08%54.66%54.89%53.80%-377 bps
Non-Interest Burden1.80%1.76%1.77%1.72%1.64%-16 bps
Growth
Asset Growth (YoY)-1.32%2.13%3.23%10.95%12.00%+1,332 bps
Loan Growth (YoY)-0.69%4.68%8.99%5.32%5.39%+607 bps
Deposit Growth (YoY)0.39%1.44%3.40%9.87%11.26%+1,087 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.40%0.08%0.16%0.19%0.15%-25 bps
Allowance / Loans1.61%1.56%1.43%1.39%1.37%-23 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a11.27%11.27%10.71%10.34%n/a
Total Risk-Based Capital18.11%18.92%18.33%18.77%18.53%+43 bps
Equity / Assets11.49%11.72%11.33%10.69%10.44%-105 bps
Liquidity & Funding
Loans / Deposits77.07%78.92%81.57%74.69%73.00%-407 bps
Liquid Assets / Assets8.98%6.18%5.34%12.92%15.39%+642 bps
CRE / Total Capitaln/an/an/an/an/an/an/a