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River Cities Bank

Wisconsin Rapids, WI · Cert 34304

FDIC · 3 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

River Cities Bank

Wisconsin Rapids, WI · Cert 34304

FDIC · 3 branches

Q3 2019

$262.3MAssets
$184.1MLoans
$214.0MDeposits
$40.2MEquity
Loan mix
78%RE $106.6M22%C&I $29.7M0%Consumer $0.5MQ3 2018Q3 2019
Deposit mix
83%Interest-bearing $177.2M17%Noninterest $36.8MQ3 2018Q3 2019

NIM

3.64%Q3 ’173.85%Q3 ’184.10%Q3 ’19+2%-1%

Non-interest income vs. expense

1.83%Q3 ’171.76%Q3 ’181.77%Q3 ’19-12%+12%

Executive Summary

  • Earnings: ROA of 1.32%, down 39 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 15.27%, up 23 bps from a year ago.
  • Funding: loans stand at 86.03% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.32%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-3 bps YoY

Efficiency Ratio (YTD, annualized)

49.12%+252 bps YoY

Tier 1 Leverage Ratio

15.27%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.71%1.55%1.23%1.25%1.32%-39 bps
Return on Equity11.78%10.69%8.28%8.31%8.76%-302 bps
Net Interest Margin3.33%3.27%3.28%3.32%3.30%-3 bps
Efficiency Ratio46.60%49.92%50.11%51.33%49.12%+252 bps
Non-Interest Burden1.31%1.43%1.54%1.57%1.47%+16 bps
Growth
Asset Growth (YoY)2.88%3.86%8.05%4.80%6.02%+314 bps
Loan Growth (YoY)2.36%4.41%4.43%2.63%5.66%+330 bps
Deposit Growth (YoY)2.29%3.35%9.74%5.15%5.42%+313 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.05%0.04%0.04%-2 bps
Net Charge-Offs / Loans0.00%-0.03%0.00%0.03%0.02%+2 bps
Allowance / Loans1.57%1.54%1.55%1.61%1.57%0 bps
Allowance Coverage of NPLs28.1x30.9x34.5x37.9x42.5x+14.3x
Capital
Tier 1 Leverage Ratio15.03%14.99%15.00%15.06%15.27%+23 bps
Total Risk-Based Capital22.18%21.87%22.19%22.33%22.52%+34 bps
Equity / Assets14.77%14.56%15.17%15.33%15.33%+56 bps
Liquidity & Funding
Loans / Deposits85.84%85.01%85.59%83.66%86.03%+19 bps
Liquid Assets / Assets8.22%7.85%7.15%9.40%8.12%-10 bps
CRE / Total Capitaln/an/an/an/an/an/an/a