First National Bank of Niagara, The

Niagara, WI · Cert 5313

FDIC · 4 branches

Q2 2016

$68.4MAssets

$33.1MLoans

$59.6MDeposits

$7.6MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.50%, down 11 bps year over year; NIM at 3.47%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.

Return on Assets (quarter, annualized)

0.50%-11 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+7 bps YoY

Efficiency Ratio (quarter, annualized)

82.56%+169 bps YoY

Tier 1 Leverage Ratio

10.45%-1 bps YoY

Discrete quarter, annualized.

Metric	Q2 2015	Q3 2015	Q4 2015	Q1 2016	Q2 2016	YoY Δ	Trend
Earnings
Return on Assets	0.62%	0.26%	0.38%	0.38%	0.50%	-11 bps
Return on Equity	5.74%	2.42%	3.61%	3.53%	4.60%	-114 bps
Net Interest Margin	3.40%	3.23%	3.24%	3.17%	3.47%	+7 bps
Efficiency Ratio	80.87%	95.60%	88.85%	83.10%	82.56%	+169 bps
Non-Interest Burden	2.64%	3.06%	2.82%	2.54%	2.78%	+13 bps
Growth
Asset Growth (YoY)	1.75%	5.91%	3.70%	1.90%	1.10%	-66 bps
Loan Growth (YoY)	12.38%	10.40%	2.85%	-0.80%	-5.62%	-1,800 bps
Deposit Growth (YoY)	1.65%	6.72%	4.20%	3.67%	2.36%	+71 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.06%	0.09%	0.02%	0.71%	0.10%	+4 bps
Allowance / Loans	1.04%	1.01%	1.02%	1.01%	1.11%	+6 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	10.46%	10.33%	10.25%	10.10%	10.45%	-1 bps
Total Risk-Based Capital	20.44%	20.33%	20.15%	20.75%	21.49%	+105 bps
Equity / Assets	10.68%	10.60%	10.46%	10.83%	11.06%	+38 bps
Liquidity & Funding
Loans / Deposits	60.25%	59.11%	59.40%	57.71%	55.55%	-470 bps
Liquid Assets / Assets	8.16%	9.90%	11.23%	9.87%	10.39%	+223 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a