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Investorsbank

Pewaukee, WI · Cert 34347

FDIC · 1 branch

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Investorsbank

Pewaukee, WI · Cert 34347

FDIC · 1 branch

Q3 2014

$195.6MAssets
$176.2MLoans
$151.0MDeposits
$28.7MEquity
Loan mix
64%RE $82.7M36%C&I $47.5M0%Consumer $0.0MQ3 2013Q3 2014
Deposit mix
87%Interest-bearing $131.3M13%Noninterest $19.7MQ3 2013Q3 2014

NIM

4.44%Q3 ’125.01%Q3 ’134.50%Q3 ’14+23%-8%

Non-interest income vs. expense

1.90%Q3 ’122.00%Q3 ’132.15%Q3 ’14-28%+11%

Market Position · Milwaukee-Waukesha-West Allis, WI · 2014 SOD (annual) · 0.3% share · #31 of 53 inst. · $0.2B of $61.9B

Executive Summary

  • Earnings: ROA of 2.35%, up 88 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.28%.
  • Funding: loans stand at 116.70% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

2.35%+88 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-32 bps YoY

Efficiency Ratio (YTD, annualized)

57.68%+879 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets1.48%0.98%1.44%2.53%2.35%+88 bps
Return on Equity11.74%7.84%11.38%19.25%17.40%+566 bps
Net Interest Margin3.93%3.78%3.29%3.48%3.61%-32 bps
Efficiency Ratio48.89%50.37%62.73%57.56%57.68%+879 bps
Non-Interest Burden1.84%1.85%2.01%1.96%2.04%+20 bps
Growth
Asset Growth (YoY)-9.54%-5.39%-5.82%-3.97%-5.77%+377 bps
Loan Growth (YoY)1.11%-9.04%-11.45%-9.01%-6.89%-800 bps
Deposit Growth (YoY)-11.34%-5.98%-6.36%-6.52%-10.85%+49 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%1.31%1.97%-0.17%-0.28%-22 bps
Allowance / Loans3.18%2.58%2.09%2.12%2.14%-104 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.38%15.48%16.00%16.69%16.85%+146 bps
Equity / Assets12.72%12.40%12.95%14.19%14.66%+194 bps
Liquidity & Funding
Loans / Deposits111.74%105.67%106.01%112.01%116.70%+496 bps
Liquid Assets / Assets0.09%0.00%0.36%0.37%0.38%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a