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Park Bank

Milwaukee, WI · Cert 26218

FDIC · 5 branches

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Park Bank

Milwaukee, WI · Cert 26218

FDIC · 5 branches

Q1 2020

$1.1BAssets
$916.1MLoans
$911.5MDeposits
$178.0MEquity
Loan mix
50%RE $282.0M49%C&I $274.5M1%Consumer $8.4MQ1 2019Q1 2020
Deposit mix
64%Interest-bearing $584.2M36%Noninterest $327.3MQ1 2019Q1 2020

NIM

3.82%Q1 ’184.14%Q1 ’193.59%Q1 ’20+1%-8%

Non-interest income vs. expense

2.24%Q1 ’182.04%Q1 ’191.92%Q1 ’20-9%-7%

Market Position · Milwaukee-Waukesha, WI · 2019 SOD (annual) · 1.3% share · #12 of 46 inst. · $0.8B of $63.1B

1.2% Milwaukee
2.1% Waukesha

Executive Summary

  • Earnings: ROA of 0.87%, down 89 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.41% of loans (-20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.59%, up 8 bps from a year ago.
  • Funding: loans stand at 100.51% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

0.87%-89 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-30 bps YoY

Efficiency Ratio (YTD, annualized)

55.01%+344 bps YoY

Tier 1 Leverage Ratio

11.59%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets1.76%1.72%1.92%1.84%0.87%-89 bps
Return on Equity16.13%15.29%16.90%16.40%6.58%-955 bps
Net Interest Margin3.59%3.63%3.60%3.29%3.29%-30 bps
Efficiency Ratio51.56%52.85%48.61%49.65%55.01%+344 bps
Non-Interest Burden1.68%1.74%1.55%1.44%1.56%-12 bps
Growth
Asset Growth (YoY)9.70%2.37%7.15%12.04%16.41%+672 bps
Loan Growth (YoY)3.74%6.51%4.48%9.07%35.29%+3,155 bps
Deposit Growth (YoY)10.04%1.66%5.79%12.80%11.31%+127 bps
Asset Quality
Nonperforming Loans / Loans0.61%2.17%1.07%0.63%0.41%-20 bps
Net Charge-Offs / Loans0.47%0.23%0.15%0.45%0.00%-47 bps
Allowance / Loans1.23%1.18%1.18%0.82%1.74%+52 bps
Allowance Coverage of NPLs2.0x0.5x1.1x1.3x4.2x+2.3x
Capital
Tier 1 Leverage Ratio11.50%11.94%11.90%11.05%11.59%+8 bps
Total Risk-Based Capital15.14%14.94%15.32%14.91%13.83%-131 bps
Equity / Assets11.44%12.01%11.68%10.56%16.02%+458 bps
Liquidity & Funding
Loans / Deposits82.69%86.09%80.33%72.88%100.51%+1,781 bps
Liquid Assets / Assets10.46%7.88%13.17%22.73%9.15%-130 bps
CRE / Total Capitaln/an/an/an/an/an/an/a