Buffalo Savings Bank

Buffalo, IA · Cert 219

FDIC · 1 branch

Q2 2014

$32.9MAssets

$14.1MLoans

$29.8MDeposits

$2.9MEquity

Loan mix

Deposit mix

NIM

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

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.

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.

Metric	Q2 2013	Q3 2013	Q4 2013	Q1 2014	Q2 2014	YoY Δ	Trend
Earnings
Return on Assets	0.09%	0.29%	0.17%	-0.19%	-0.92%	-101 bps
Return on Equity	0.98%	3.24%	1.90%	-2.29%	-10.74%	-1,171 bps
Net Interest Margin	2.76%	2.87%	2.95%	2.92%	2.92%	+16 bps
Efficiency Ratio	96.87%	90.62%	94.62%	106.75%	132.55%	+3,568 bps
Non-Interest Burden	2.67%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	2.03%	2.08%	2.06%	2.14%	2.24%	+21 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	20.11%	21.01%	20.69%	21.02%	21.00%	+89 bps
Equity / Assets	8.00%	8.59%	8.18%	8.70%	8.84%	+84 bps
Liquidity & Funding
Loans / Deposits	50.14%	51.43%	51.06%	49.05%	47.36%	-278 bps
Liquid Assets / Assets	8.30%	9.98%	7.73%	8.58%	10.25%	+195 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a