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Peoples State Bank of Madison Lake

Madison Lake, MN · Cert 1923

FDIC · 2 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

Peoples State Bank of Madison Lake

Madison Lake, MN · Cert 1923

FDIC · 2 branches

Q4 2015

$24.7MAssets
$14.0MLoans
$22.6MDeposits
$2.0MEquity
Loan mix
50%RE $4.8M37%C&I $3.6M13%Consumer $1.3MQ4 2014Q4 2015
Deposit mix
80%Interest-bearing $18.1M20%Noninterest $4.5MQ4 2014Q4 2015

NIM

3.91%Q4 ’133.64%Q4 ’143.56%Q4 ’15-3%0%

Non-interest income vs. expense

3.75%Q4 ’133.66%Q4 ’143.51%Q4 ’15+2%-1%

Market Position · Mankato-North Mankato, MN · 2015 SOD (annual) · 1.0% share · #20 of 22 inst. · $0.0B of $2.1B

Executive Summary

  • Earnings: ROA of 0.12%, up 10 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 8.43%.
  • Funding: loans stand at 61.94% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.12%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.25%0 bps YoY

Efficiency Ratio (YTD, annualized)

95.42%-71 bps YoY

Tier 1 Leverage Ratio

8.43%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.02%-0.12%0.21%0.17%0.12%+10 bps
Return on Equity0.25%-1.42%2.42%2.01%1.46%+120 bps
Net Interest Margin3.25%3.30%3.39%3.39%3.25%0 bps
Efficiency Ratio96.12%102.83%94.46%94.20%95.42%-71 bps
Non-Interest Burden3.11%3.40%3.18%3.17%3.08%-2 bps
Growth
Asset Growth (YoY)0.92%-4.61%-3.55%-4.78%4.01%+310 bps
Loan Growth (YoY)7.85%11.62%8.56%1.87%-1.91%-976 bps
Deposit Growth (YoY)1.12%-5.03%-3.96%-5.32%4.31%+318 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.47%0.06%0.28%0.24%0.25%-22 bps
Allowance / Loans1.46%1.46%1.31%1.30%1.23%-22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a8.57%8.82%8.78%8.43%n/a
Total Risk-Based Capital14.12%14.56%14.77%14.37%14.00%-12 bps
Equity / Assets8.35%8.64%8.88%8.75%8.09%-25 bps
Liquidity & Funding
Loans / Deposits65.87%68.12%70.07%67.44%61.94%-393 bps
Liquid Assets / Assets14.75%12.88%15.24%16.04%15.89%+115 bps
CRE / Total Capitaln/an/an/an/an/an/an/a