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Riverwood Bank

Baxter, MN · Cert 31063

FDIC

Q4 2012

$163.7MAssets
$115.9MLoans
$135.3MDeposits
$16.3MEquity
Loan mix
78%RE $74.1M9%C&I $8.9M13%Consumer $12.3MQ4 2011Q4 2012
Deposit mix
69%Interest-bearing $93.6M31%Noninterest $41.8MQ4 2011Q4 2012

NIM

3.85%Q1 ’124.13%Q3 ’124.05%Q4 ’12+11%-1%

Non-interest income vs. expense

4.27%Q1 ’124.06%Q3 ’124.04%Q4 ’12-3%-6%

Executive Summary

  • Earnings: ROA of 0.10%, up 162 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.57%.
  • Funding: loans stand at 85.65% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.10%+162 bps YoY

Net Interest Margin (YTD, annualized)

3.27%

Efficiency Ratio (YTD, annualized)

92.23%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.52%-0.11%-0.04%0.06%0.10%+162 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.98%3.17%3.30%3.27%n/a
Efficiency Ration/a105.27%97.99%95.56%92.23%n/a
Non-Interest Burdenn/a3.20%3.09%3.12%2.93%n/a
Growth
Asset Growth (YoY)-2.41%-2.46%-3.09%-2.59%0.84%+325 bps
Loan Growth (YoY)-10.61%-6.71%-4.71%-0.72%2.30%+1,291 bps
Deposit Growth (YoY)1.65%1.65%0.12%1.22%5.23%+358 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.70%0.83%0.65%0.57%n/a
Allowance / Loansn/a1.82%1.67%1.59%1.62%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a12.48%12.29%12.31%12.02%n/a
Equity / Assetsn/a10.15%10.43%10.31%9.95%n/a
Liquidity & Funding
Loans / Deposits88.11%88.04%92.53%89.28%85.65%-246 bps
Liquid Assets / Assets0.00%13.00%9.23%10.00%5.86%+586 bps
CRE / Total Capitaln/an/an/an/an/an/an/a