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American Bank

Fond Du Lac, WI · Cert 19838

FDIC · 6 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

American Bank

Fond Du Lac, WI · Cert 19838

FDIC · 6 branches

Q2 2016

$451.4MAssets
$326.0MLoans
$376.3MDeposits
$58.2MEquity
Loan mix
72%RE $193.7M28%C&I $74.1M0%Consumer $0.6MQ2 2015Q2 2016
Deposit mix
72%Interest-bearing $270.2M28%Noninterest $106.1MQ2 2015Q2 2016

NIM

3.02%Q2 ’144.71%Q2 ’153.88%Q2 ’16+58%-19%

Non-interest income vs. expense

1.89%Q2 ’142.49%Q2 ’152.35%Q2 ’16+42%-10%

Market Position · Fond du Lac, WI · 2016 SOD (annual) · 7.7% share · #4 of 16 inst. · $0.2B of $2.1B

7.7% Fond du Lac
1.2% Waukesha
4.8% Dodge
2.5% Green Lake

Executive Summary

  • Earnings: ROA of 1.04%, unchanged from a year ago; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.96%, up 100 bps from a year ago.
  • Funding: loans stand at 86.65% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.04%0 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-87 bps YoY

Efficiency Ratio (YTD, annualized)

52.76%+557 bps YoY

Tier 1 Leverage Ratio

11.96%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.04%1.04%1.08%1.02%1.04%0 bps
Return on Equity8.78%8.82%9.23%8.57%8.48%-30 bps
Net Interest Margin4.45%4.41%4.05%3.40%3.58%-87 bps
Efficiency Ratio47.19%47.18%46.64%51.54%52.76%+557 bps
Non-Interest Burden1.89%1.89%1.71%1.62%1.70%-18 bps
Growth
Asset Growth (YoY)62.85%63.72%9.74%4.93%4.22%-5,862 bps
Loan Growth (YoY)139.98%127.96%5.60%1.20%-1.17%-14,114 bps
Deposit Growth (YoY)75.75%81.27%11.82%4.98%4.43%-7,132 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.01%0.00%0.00%+1 bps
Allowance / Loans2.37%2.61%2.65%2.84%2.90%+54 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.96%11.19%10.93%11.02%11.96%+100 bps
Total Risk-Based Capital14.66%14.89%14.94%16.06%16.33%+167 bps
Equity / Assets12.17%11.93%11.28%12.51%12.89%+72 bps
Liquidity & Funding
Loans / Deposits91.56%88.31%81.65%87.78%86.65%-491 bps
Liquid Assets / Assets1.50%5.56%12.82%10.00%9.82%+831 bps
CRE / Total Capitaln/an/an/an/an/an/an/a