Community Bank & Trust

Sheboygan, WI · Cert 27507

FDIC · 10 branches

Q4 2014

$530.4MAssets

$411.4MLoans

$446.7MDeposits

$47.5MEquity

Loan mix

Deposit mix

NIM

Market Position · Sheboygan, WI · 2014 SOD (annual) · 18.3% share · #1 of 15 inst. · $0.3B of $1.9B

18.3% Sheboygan

0.2% Milwaukee

4.0% Calumet

Earnings: ROA of -0.06%, down 446 bps year over year; NIM at 3.84%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.33%.
Funding: loans stand at 92.11% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

-0.06%-446 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+29 bps YoY

Efficiency Ratio (quarter, annualized)

115.96%+5,356 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	4.40%	1.36%	1.06%	1.43%	-0.06%	-446 bps
Return on Equity	42.93%	13.49%	10.12%	13.51%	-0.61%	-4,354 bps
Net Interest Margin	3.55%	3.57%	3.57%	3.76%	3.84%	+29 bps
Efficiency Ratio	62.41%	58.23%	54.33%	56.06%	115.96%	+5,356 bps
Non-Interest Burden	1.72%	1.15%	0.96%	1.22%	4.83%	+311 bps
Growth
Asset Growth (YoY)	-2.75%	-0.09%	-5.87%	-0.80%	-3.17%	-42 bps
Loan Growth (YoY)	-0.52%	-0.76%	2.96%	3.75%	0.52%	+104 bps
Deposit Growth (YoY)	-1.41%	-1.14%	-6.91%	-2.90%	-2.07%	-66 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.23%	1.38%	0.54%	0.46%	1.33%	+111 bps
Allowance / Loans	2.44%	2.47%	2.56%	2.51%	1.92%	-52 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	11.58%	12.20%	12.34%	12.24%	10.73%	-86 bps
Equity / Assets	9.88%	10.25%	10.73%	10.38%	8.96%	-92 bps
Liquidity & Funding
Loans / Deposits	89.73%	90.44%	94.61%	95.90%	92.11%	+238 bps
Liquid Assets / Assets	6.22%	7.13%	2.07%	2.95%	4.33%	-190 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a