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Community Bank of Grafton

Grafton, WI · Cert 33137

FDIC · 3 branches

Q2 2023

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: Q2 2023, the quarter ended June 30, 2023, 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

Community Bank of Grafton

Grafton, WI · Cert 33137

FDIC · 3 branches

Q2 2023

$235.5MAssets
$196.8MLoans
$180.5MDeposits
$43.0MEquity
Loan mix
92%RE $133.1M7%C&I $9.6M1%Consumer $1.3MQ2 2022Q2 2023
Deposit mix
59%Interest-bearing $106.5M41%Noninterest $74.0MQ2 2022Q2 2023

NIM

4.38%Q2 ’213.89%Q2 ’224.40%Q2 ’23-10%-5%

Non-interest income vs. expense

2.41%Q2 ’212.28%Q2 ’221.70%Q2 ’23+20%-28%

Market Position · Milwaukee-Waukesha, WI · 2023 SOD (annual) · 0.2% share · #31 of 45 inst. · $0.2B of $78.0B

3.2% Ozaukee
0.4% Waukesha
0.4% Washington

Executive Summary

  • Earnings: ROA of 1.39%, up 17 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.40%, down 77 bps from a year ago.
  • Funding: loans stand at 109.03% of deposits as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

1.39%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-17 bps YoY

Efficiency Ratio (YTD, annualized)

49.21%-858 bps YoY

Tier 1 Leverage Ratio

9.40%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets1.21%1.29%0.45%1.40%1.39%+17 bps
Return on Equity12.19%12.87%4.54%10.61%9.38%-281 bps
Net Interest Margin3.66%3.73%3.80%3.63%3.49%-17 bps
Efficiency Ratio57.79%55.97%81.00%49.62%49.21%-858 bps
Non-Interest Burden1.99%1.96%3.03%1.54%1.43%-56 bps
Growth
Asset Growth (YoY)8.14%6.35%2.21%2.14%-4.77%-1,291 bps
Loan Growth (YoY)4.31%0.80%2.22%-0.58%-8.34%-1,265 bps
Deposit Growth (YoY)8.91%6.42%1.33%-6.65%-12.12%-2,104 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.58%1.57%1.59%0.00%0.00%-158 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.18%10.37%10.03%11.60%9.40%-77 bps
Total Risk-Based Capital10.18%10.37%10.03%11.60%9.40%-77 bps
Equity / Assets10.18%10.30%9.57%16.81%18.24%+806 bps
Liquidity & Funding
Loans / Deposits104.53%103.93%101.03%108.12%109.03%+450 bps
Liquid Assets / Assets0.89%0.43%0.68%0.49%0.54%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/a