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Business Bank, The

Minnetonka, MN · Cert 35487

FDIC

Q2 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: Q2 2013, the quarter ended June 30, 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

Business Bank, The

Minnetonka, MN · Cert 35487

FDIC

Q2 2013

$192.0MAssets
$151.1MLoans
$132.7MDeposits
$22.2MEquity
Loan mix
85%RE $123.6M14%C&I $20.4M2%Consumer $2.3MQ2 2012Q2 2013
Deposit mix
77%Interest-bearing $102.5M23%Noninterest $30.2MQ2 2012Q2 2013

NIM

4.88%Q2 ’114.78%Q2 ’121.85%Q2 ’13+5%-60%

Non-interest income vs. expense

16.95%Q2 ’1123.36%Q2 ’1211.56%Q2 ’13-56%+9%

Executive Summary

  • Earnings: ROA of 0.21%, down 128 bps year over year; NIM at 1.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 113.87% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.21%-128 bps YoY

Net Interest Margin (YTD, annualized)

1.63%-248 bps YoY

Efficiency Ratio (YTD, annualized)

96.30%+774 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets1.49%1.58%1.72%1.76%0.21%-128 bps
Return on Equity18.20%20.47%22.29%21.37%2.28%-1,592 bps
Net Interest Margin4.11%3.33%3.26%3.55%1.63%-248 bps
Efficiency Ratio88.55%87.52%86.31%86.21%96.30%+774 bps
Non-Interest Burden1.09%0.63%0.20%-0.10%1.19%+10 bps
Growth
Asset Growth (YoY)29.81%42.76%9.72%18.81%16.53%-1,328 bps
Loan Growth (YoY)38.10%47.99%13.16%21.87%8.34%-2,977 bps
Deposit Growth (YoY)16.99%55.54%12.45%3.58%12.61%-438 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.19%0.15%0.22%0.00%-2 bps
Allowance / Loans0.98%0.57%0.87%1.17%0.02%-96 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 Capital14.05%11.75%13.24%15.06%12.90%-115 bps
Equity / Assets8.78%6.74%7.58%9.03%11.55%+277 bps
Liquidity & Funding
Loans / Deposits118.37%107.84%117.94%123.01%113.87%-449 bps
Liquid Assets / Assets2.53%4.05%3.10%4.07%6.48%+395 bps
CRE / Total Capitaln/an/an/an/an/an/an/a