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Buffalo Savings Bank

Buffalo, IA · Cert 219

FDIC · 1 branch

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Buffalo Savings Bank

Buffalo, IA · Cert 219

FDIC · 1 branch

Q2 2014

$32.9MAssets
$14.1MLoans
$29.8MDeposits
$2.9MEquity
Loan mix
60%RE $7.1M35%C&I $4.1M5%Consumer $0.6MQ2 2013Q2 2014
Deposit mix
81%Interest-bearing $24.3M19%Noninterest $5.5MQ2 2013Q2 2014

NIM

3.49%Q2 ’123.14%Q2 ’133.24%Q2 ’14-6%+6%

Non-interest income vs. expense

3.10%Q2 ’122.73%Q2 ’133.74%Q2 ’140%+44%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2014 SOD (annual) · 0.4% share · #33 of 39 inst. · $0.0B of $7.9B

Executive Summary

  • Earnings: ROA of -0.92%, down 101 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 47.36% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.92%-101 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+16 bps YoY

Efficiency Ratio (YTD, annualized)

132.55%+3,568 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.09%0.29%0.17%-0.19%-0.92%-101 bps
Return on Equity0.98%3.24%1.90%-2.29%-10.74%-1,171 bps
Net Interest Margin2.76%2.87%2.95%2.92%2.92%+16 bps
Efficiency Ratio96.87%90.62%94.62%106.75%132.55%+3,568 bps
Non-Interest Burden2.67%2.58%2.78%3.12%3.84%+117 bps
Growth
Asset Growth (YoY)-6.47%-3.82%-4.76%-3.66%-2.81%+366 bps
Loan Growth (YoY)1.18%-3.19%-3.43%0.84%-9.17%-1,035 bps
Deposit Growth (YoY)-4.89%-2.16%-3.38%-2.90%-3.84%+105 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 / Loans2.03%2.08%2.06%2.14%2.24%+21 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 Capital20.11%21.01%20.69%21.02%21.00%+89 bps
Equity / Assets8.00%8.59%8.18%8.70%8.84%+84 bps
Liquidity & Funding
Loans / Deposits50.14%51.43%51.06%49.05%47.36%-278 bps
Liquid Assets / Assets8.30%9.98%7.73%8.58%10.25%+195 bps
CRE / Total Capitaln/an/an/an/an/an/an/a