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Fidelity National Bank

Medford, WI · Cert 22153

FDIC · 2 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

Fidelity National Bank

Medford, WI · Cert 22153

FDIC · 2 branches

Q2 2016

$85.0MAssets
$53.4MLoans
$77.3MDeposits
$7.4MEquity
Loan mix
85%RE $37.8M12%C&I $5.4M3%Consumer $1.2MQ2 2015Q2 2016
Deposit mix
77%Interest-bearing $59.3M23%Noninterest $18.0MQ2 2015Q2 2016

NIM

4.05%Q2 ’143.75%Q2 ’154.25%Q2 ’16-7%+15%

Non-interest income vs. expense

6.01%Q2 ’144.44%Q2 ’154.53%Q2 ’16-22%+15%

Market Position · Appleton, WI · 2016 SOD (annual) · 0.4% share · #25 of 30 inst. · $0.0B of $3.8B

15.5% Taylor
0.5% Outagamie

Executive Summary

  • Earnings: ROA of -0.23%, up 5 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 8.73%, down 48 bps from a year ago.
  • Funding: loans stand at 69.06% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.23%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+49 bps YoY

Efficiency Ratio (YTD, annualized)

118.93%+271 bps YoY

Tier 1 Leverage Ratio

8.73%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.29%-0.30%-1.34%-1.41%-0.23%+5 bps
Return on Equity-2.89%-2.99%-13.96%-16.42%-2.72%+18 bps
Net Interest Margin3.37%3.47%3.38%3.48%3.86%+49 bps
Efficiency Ratio116.23%118.79%119.67%147.15%118.93%+271 bps
Non-Interest Burden3.97%4.17%4.13%5.05%4.58%+61 bps
Growth
Asset Growth (YoY)7.72%5.71%5.29%-2.07%-2.65%-1,037 bps
Loan Growth (YoY)-6.30%-5.40%1.70%2.47%-0.20%+610 bps
Deposit Growth (YoY)9.27%7.78%6.27%-0.60%1.34%-793 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.47%0.33%0.04%-0.07%-22 bps
Allowance / Loans2.90%2.53%2.03%2.12%1.87%-103 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.21%9.28%8.52%8.43%8.73%-48 bps
Total Risk-Based Capital16.09%15.84%14.39%14.12%14.56%-153 bps
Equity / Assets9.43%9.65%8.50%8.67%8.74%-69 bps
Liquidity & Funding
Loans / Deposits70.12%72.72%73.31%72.42%69.06%-106 bps
Liquid Assets / Assets7.11%3.24%5.74%7.46%8.60%+149 bps
CRE / Total Capitaln/an/an/an/an/an/an/a