Community Bank Delavan

Delavan, WI · Cert 34220

FDIC · 4 branches

Q4 2014

$207.5MAssets

$140.4MLoans

$166.1MDeposits

$26.5MEquity

Loan mix

Deposit mix

NIM

Market Position · Janesville-Beloit, WI · 2014 SOD (annual) · 1.1% share · #14 of 18 inst. · $0.0B of $2.2B

8.7% Walworth

1.1% Rock

Earnings: ROA of 0.46%, down 4 bps year over year; NIM at 3.70%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
Funding: loans stand at 84.49% of deposits as of Q4 2014.

Return on Assets (YTD, annualized)

0.46%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-13 bps YoY

Efficiency Ratio (YTD, annualized)

82.13%+1,582 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.50%	0.79%	0.73%	0.77%	0.46%	-4 bps
Return on Equity	4.10%	6.11%	5.64%	5.95%	3.57%	-52 bps
Net Interest Margin	3.84%	3.72%	3.81%	3.71%	3.70%	-13 bps
Efficiency Ratio	66.31%	67.90%	69.84%	69.28%	82.13%	+1,582 bps
Non-Interest Burden	2.34%	2.30%	2.48%	2.39%	2.93%	+59 bps
Growth
Asset Growth (YoY)	-8.26%	-4.63%	-0.03%	-1.49%	1.33%	+959 bps
Loan Growth (YoY)	-9.00%	-8.38%	-5.27%	3.34%	-1.56%	+744 bps
Deposit Growth (YoY)	-5.44%	-3.42%	2.20%	-0.31%	0.10%	+554 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	3.11%	0.09%	0.08%	0.06%	0.19%	-292 bps
Allowance / Loans	1.42%	1.57%	1.56%	1.59%	1.47%	+5 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	18.48%	19.39%	19.26%	19.21%	18.18%	-31 bps
Equity / Assets	12.82%	12.91%	13.11%	13.13%	12.76%	-5 bps
Liquidity & Funding
Loans / Deposits	85.92%	81.67%	85.05%	85.45%	84.49%	-143 bps
Liquid Assets / Assets	0.73%	4.37%	3.36%	0.93%	0.93%	+20 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a