Riverwood Bank

Baxter, MN · Cert 31063

FDIC

Q4 2012

$163.7MAssets

$115.9MLoans

$135.3MDeposits

$16.3MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.21%, up 173 bps year over year; NIM at 3.25%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.37%.
Funding: loans stand at 85.65% of deposits as of Q4 2012.

Return on Assets (quarter, annualized)

0.21%+173 bps YoY

Net Interest Margin (quarter, annualized)

3.25%

Efficiency Ratio (quarter, annualized)

83.52%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	YoY Δ	Trend
Earnings
Return on Assets	-0.78%	-0.41%	-2.09%	-1.52%	-0.11%	0.02%	0.28%	0.21%	+173 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	0.22%	2.70%	2.07%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	2.98%	3.21%	3.62%	3.25%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	105.27%	90.09%	91.33%	83.52%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	3.20%	2.82%	3.22%	2.45%	n/a
Growth
Asset Growth (YoY)	-10.43%	-8.40%	-7.20%	-2.41%	-2.46%	-3.09%	-2.59%	0.84%	+325 bps
Loan Growth (YoY)	-15.32%	-12.71%	-11.69%	-10.61%	-6.71%	-4.71%	-0.72%	2.30%	+1,291 bps
Deposit Growth (YoY)	2.02%	-5.22%	-2.19%	1.65%	1.65%	0.12%	1.22%	5.23%	+358 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.70%	0.98%	0.30%	0.37%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.82%	1.67%	1.59%	1.62%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	12.48%	12.29%	12.31%	12.02%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	10.15%	10.43%	10.31%	9.95%	n/a
Liquidity & Funding
Loans / Deposits	95.94%	97.22%	91.02%	88.11%	88.04%	92.53%	89.28%	85.65%	-246 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	13.00%	9.23%	10.00%	5.86%	+586 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a