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Ridgestone Bank

Brookfield, WI · Cert 34101

FDIC · 2 branches

Q3 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: Q3 2016, the quarter ended September 30, 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

Ridgestone Bank

Brookfield, WI · Cert 34101

FDIC · 2 branches

Q3 2016

$452.7MAssets
$388.0MLoans
$360.1MDeposits
$66.9MEquity
Loan mix
59%RE $206.3M41%C&I $145.6M0%Consumer $0.0MQ3 2015Q3 2016
Deposit mix
88%Interest-bearing $318.3M12%Noninterest $41.7MQ3 2015Q3 2016

NIM

5.60%Q3 ’146.02%Q3 ’156.60%Q3 ’16+8%+10%

Non-interest income vs. expense

6.25%Q3 ’147.57%Q3 ’156.94%Q3 ’16+135%-488%

Market Position · Milwaukee-Waukesha-West Allis, WI · 2016 SOD (annual) · 0.4% share · #26 of 51 inst. · $0.2B of $64.7B

2.1% Waukesha
0.0% Cook

Executive Summary

  • Earnings: ROA of 4.49%, up 201 bps year over year; NIM at 5.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.31%.
  • Capital: tier 1 leverage ratio of 14.03%, up 177 bps from a year ago.
  • Funding: loans stand at 107.75% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

4.49%+201 bps YoY

Net Interest Margin (YTD, annualized)

5.87%+52 bps YoY

Efficiency Ratio (YTD, annualized)

45.97%-1,560 bps YoY

Tier 1 Leverage Ratio

14.03%+177 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets2.48%2.80%3.99%4.21%4.49%+201 bps
Return on Equity20.16%22.49%29.84%30.83%32.20%+1,204 bps
Net Interest Margin5.36%5.45%6.34%5.87%5.87%+52 bps
Efficiency Ratio61.58%57.20%48.95%45.91%45.97%-1,560 bps
Non-Interest Burden0.60%0.08%-1.13%-2.10%-2.34%-294 bps
Growth
Asset Growth (YoY)9.51%7.15%8.73%5.01%6.85%-266 bps
Loan Growth (YoY)16.03%13.92%12.69%11.04%9.15%-688 bps
Deposit Growth (YoY)10.37%5.37%7.04%1.61%3.17%-720 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.47%0.03%0.88%1.31%+131 bps
Allowance / Loans2.59%2.50%2.68%2.61%2.22%-37 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.26%12.35%13.14%13.35%14.03%+177 bps
Total Risk-Based Capital14.58%14.59%15.50%16.05%15.92%+134 bps
Equity / Assets12.51%12.99%13.73%14.17%14.78%+226 bps
Liquidity & Funding
Loans / Deposits101.84%104.42%103.19%104.35%107.75%+591 bps
Liquid Assets / Assets3.47%2.34%4.10%4.55%1.67%-180 bps
CRE / Total Capitaln/an/an/an/an/an/an/a