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Letter portraitLegal landscapeQuarterYTD

Business Bank of the Fox River Valley, The

Appleton, WI · Cert 34993

FDIC · 2 branches

Q1 2016

$250.1MAssets
$147.9MLoans
$214.6MDeposits
$32.9MEquity
Loan mix
80%RE $79.5M20%C&I $20.0M0%Consumer $0.0MQ2 2014Q1 2016
Deposit mix
89%Interest-bearing $190.2M11%Noninterest $24.4MQ2 2014Q1 2016

Market Position · Appleton, WI · 2015 SOD (annual) · 4.1% share · #7 of 31 inst. · $0.2B of $3.8B

4.7% Outagamie
1.0% Brown

Executive Summary

  • Earnings: ROA of 0.34%, down 1 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 12.32%, down 57 bps from a year ago.
  • Funding: loans stand at 68.88% of deposits as of Q1 2016.

Return on Assets (YTD, annualized)

0.34%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.29%-4 bps YoY

Efficiency Ratio (YTD, annualized)

67.02%-29 bps YoY

Tier 1 Leverage Ratio

12.32%-57 bps YoY

NIM

3.37%Q1 ’143.01%Q1 ’152.91%Q1 ’16-6%-2%

Non-interest income vs. expense

1.71%Q1 ’141.58%Q1 ’151.54%Q1 ’16-7%-2%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.38%0.40%0.38%0.36%0.41%0.41%0.40%0.34%-1 bps
Return on Equity3.06%3.19%3.02%2.75%3.19%3.23%3.18%2.74%-1 bps
Net Interest Margin2.56%2.54%2.52%2.33%2.53%2.47%2.42%2.29%-4 bps
Efficiency Ratio67.60%66.54%67.48%67.31%64.70%64.34%64.70%67.02%-29 bps
Non-Interest Burden1.73%1.69%1.70%1.56%1.63%1.59%1.56%1.53%-3 bps
Growth
Asset Growth (YoY)3.10%-0.40%-3.72%0.99%-1.50%2.58%4.67%-1.77%-276 bps
Loan Growth (YoY)-3.66%-8.14%-5.36%-5.66%-2.28%-2.78%-3.17%-7.46%-180 bps
Deposit Growth (YoY)3.11%-0.97%-4.93%0.29%-1.41%2.98%5.54%-1.70%-199 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.65%1.12%0.83%4.52%3.07%2.04%1.92%-0.05%-457 bps
Allowance / Loans3.29%3.51%3.61%2.51%2.37%2.63%2.35%2.53%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a12.89%12.99%12.78%12.69%12.32%-57 bps
Total Risk-Based Capital19.71%20.40%20.56%19.49%20.14%21.07%20.86%21.50%+201 bps
Equity / Assets12.78%13.09%12.79%13.12%12.70%12.62%11.98%13.13%+1 bps
Liquidity & Funding
Loans / Deposits74.28%73.31%70.84%73.17%73.63%69.21%64.99%68.88%-428 bps
Liquid Assets / Assets8.08%10.10%11.05%8.14%8.44%15.10%18.96%16.64%+849 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a