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Anchorbank, FSB

Madison, WI · Cert 29979

FDIC · 52 branches

Q1 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: Q1 2016, the quarter ended March 31, 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

Anchorbank, FSB

Madison, WI · Cert 29979

FDIC · 52 branches

Q1 2016

$2.2BAssets
$1.7BLoans
$1.8BDeposits
$344.3MEquity
Loan mix
92%RE $1.4B2%C&I $0.0B6%Consumer $0.1BQ1 2015Q1 2016
Deposit mix
82%Interest-bearing $1.5B18%Noninterest $0.3BQ1 2015Q1 2016

NIM

3.67%Q1 ’143.48%Q1 ’153.34%Q1 ’16-5%-2%

Non-interest income vs. expense

4.21%Q1 ’144.14%Q1 ’153.48%Q1 ’16-26%+4%

Market Position · Madison, WI · 2015 SOD (annual) · 6.1% share · #5 of 53 inst. · $1.0B of $16.8B

6.4% Dane
5.5% Winnebago
7.6% Portage
0.2% Milwaukee

Executive Summary

  • Earnings: ROA of 0.93%, down 31 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.46%.
  • Capital: tier 1 leverage ratio of 12.82%, up 197 bps from a year ago.
  • Funding: loans stand at 92.56% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.93%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-6 bps YoY

Efficiency Ratio (YTD, annualized)

82.78%+187 bps YoY

Tier 1 Leverage Ratio

12.82%+197 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets1.23%10.15%7.67%6.12%0.93%-31 bps
Return on Equity11.69%84.52%59.61%46.02%6.09%-560 bps
Net Interest Margin3.28%3.26%3.21%3.14%3.22%-6 bps
Efficiency Ratio80.92%82.50%83.06%80.24%82.78%+187 bps
Non-Interest Burden2.30%2.36%2.29%2.12%2.40%+10 bps
Growth
Asset Growth (YoY)-0.70%3.75%6.02%7.76%6.32%+702 bps
Loan Growth (YoY)-0.29%1.32%-0.23%4.58%8.72%+901 bps
Deposit Growth (YoY)-2.30%-2.48%-1.20%2.08%0.31%+260 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.35%-0.25%-0.59%-0.46%-0.46%-11 bps
Allowance / Loans3.00%2.97%1.90%1.52%1.37%-164 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.85%12.03%12.74%12.35%12.82%+197 bps
Total Risk-Based Capital18.19%19.58%19.93%18.33%18.67%+48 bps
Equity / Assets10.75%14.74%15.30%14.98%15.46%+471 bps
Liquidity & Funding
Loans / Deposits85.40%86.25%84.54%88.50%92.56%+716 bps
Liquid Assets / Assets6.01%3.91%6.34%2.09%3.41%-260 bps
CRE / Total Capitaln/an/an/an/an/an/an/a