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Marathon State Bank

Marathon, WI · Cert 15887

FDIC

Q3 2012

$98.2MAssets
$20.6MLoans
$91.7MDeposits
$6.0MEquity
Loan mix
73%RE $12.4M18%C&I $3.0M9%Consumer $1.5MQ3 2011Q3 2012
Deposit mix
90%Interest-bearing $82.8M10%Noninterest $8.9MQ3 2011Q3 2012

NIM

2.87%Q3 ’102.40%Q3 ’110.78%Q3 ’12-12%-61%

Non-interest income vs. expense

1.15%Q3 ’101.14%Q3 ’110.95%Q3 ’12-1%-118%

Executive Summary

  • Earnings: ROA of 0.54%, up 2 bps year over year; NIM at 0.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 22.46% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.54%+2 bps YoY

Net Interest Margin (YTD, annualized)

0.64%-101 bps YoY

Efficiency Ratio (YTD, annualized)

53.05%-1,408 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.52%0.54%0.29%1.05%0.54%+2 bps
Return on Equity2.72%2.84%1.54%7.21%4.32%+160 bps
Net Interest Margin1.65%1.68%1.61%0.25%0.64%-101 bps
Efficiency Ratio67.14%65.77%80.82%8.92%53.05%-1,408 bps
Non-Interest Burden1.09%1.09%1.29%-1.44%-0.20%-129 bps
Growth
Asset Growth (YoY)-0.62%2.16%2.77%-2.97%-8.24%-763 bps
Loan Growth (YoY)2.40%0.01%-4.71%3.36%-32.34%-3,474 bps
Deposit Growth (YoY)-0.75%2.62%3.47%12.47%5.85%+660 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.12%1.11%1.16%0.02%0.02%-110 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.15%18.60%18.92%15.14%17.73%-142 bps
Equity / Assets18.98%18.42%18.74%5.94%6.06%-1,292 bps
Liquidity & Funding
Loans / Deposits35.13%34.93%33.93%32.40%22.46%-1,268 bps
Liquid Assets / Assets53.06%53.25%51.15%15.98%16.49%-3,657 bps
CRE / Total Capitaln/an/an/an/an/an/an/a