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Bank of Kenosha

Kenosha, WI · Cert 35386

FDIC

Q1 2013

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: Q1 2013, the quarter ended March 31, 2013, 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

Bank of Kenosha

Kenosha, WI · Cert 35386

FDIC

Q1 2013

$134.0MAssets
$88.8MLoans
$127.6MDeposits
$2.9MEquity
Loan mix
82%RE $58.7M17%C&I $12.1M1%Consumer $0.8MQ1 2012Q1 2013
Deposit mix
89%Interest-bearing $114.1M11%Noninterest $13.5MQ1 2012Q1 2013

NIM

4.15%Q1 ’114.25%Q1 ’123.92%Q1 ’13+18%-5%

Non-interest income vs. expense

3.94%Q1 ’114.05%Q1 ’124.48%Q1 ’13-15%+3%

Executive Summary

  • Earnings: ROA of -1.65%, down 476 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 69.63% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.65%-476 bps YoY

Net Interest Margin (YTD, annualized)

3.01%-16 bps YoY

Efficiency Ratio (YTD, annualized)

109.23%+662 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets3.12%1-1.07%-0.82%-1.46%-1.65%-476 bps
Return on Equity72.66%-27.10%-21.65%-40.88%-70.57%-14,323 bps
Net Interest Margin3.17%3.08%3.21%3.30%3.01%-16 bps
Efficiency Ratio102.61%149.81%146.80%140.19%109.23%+662 bps
Non-Interest Burden3.28%4.43%4.67%4.78%3.39%+11 bps
Growth
Asset Growth (YoY)-17.88%-18.66%-19.13%-16.95%-16.72%+116 bps
Loan Growth (YoY)-26.17%-27.58%-24.38%-23.30%-20.10%+608 bps
Deposit Growth (YoY)-14.76%-13.37%-12.19%-10.89%-11.30%+346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.03%0.64%1.99%2.50%0.05%-98 bps
Allowance / Loans5.50%6.97%6.13%6.40%7.05%+155 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 Capital7.20%5.53%5.59%4.46%3.99%-321 bps
Equity / Assets4.35%3.23%3.27%2.50%2.17%-219 bps
Liquidity & Funding
Loans / Deposits77.30%72.70%71.32%70.26%69.63%-767 bps
Liquid Assets / Assets18.56%8.47%7.23%1.36%4.96%-1,359 bps
CRE / Total Capitaln/an/an/an/an/an/an/a