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Peoples National Bank

Hayward, WI · Cert 5347

FDIC · 3 branches

Q3 2020

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 2020, the quarter ended September 30, 2020, 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 2026-10-10

Peoples National Bank

Hayward, WI · Cert 5347

FDIC · 3 branches

Q3 2020

$459.4MAssets
$331.5MLoans
$379.7MDeposits
$72.9MEquity
Loan mix
65%RE $161.0M35%C&I $86.0M0%Consumer $1.0MQ3 2019Q3 2020
Deposit mix
67%Interest-bearing $256.0M33%Noninterest $123.7MQ3 2019Q3 2020

NIM

4.13%Q3 ’184.18%Q3 ’193.52%Q3 ’20-4%-5%

Non-interest income vs. expense

2.02%Q3 ’182.99%Q3 ’191.73%Q3 ’20+56%-60%

Market Position · Eau Claire, WI · 2020 SOD (annual) · 4.5% share · #9 of 21 inst. · $0.1B of $3.3B

34.5% Sawyer
6.2% Eau Claire
0.1% Ramsey

Executive Summary

  • Earnings: ROA of 2.26%, up 123 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.12% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.14%, down 1,047 bps from a year ago.
  • Funding: loans stand at 87.31% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

2.26%+123 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-19 bps YoY

Efficiency Ratio (YTD, annualized)

42.24%-2,921 bps YoY

Tier 1 Leverage Ratio

9.14%-1,047 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets1.03%0.50%1.59%2.42%2.26%+123 bps
Return on Equity5.08%2.58%9.30%14.85%13.96%+888 bps
Net Interest Margin3.63%0.89%3.66%3.83%3.43%-19 bps
Efficiency Ratio71.44%44.36%51.02%41.23%42.24%-2,921 bps
Non-Interest Burden2.43%0.32%1.53%1.12%0.97%-146 bps
Growth
Asset Growth (YoY)12.21%7.51%8.98%24.88%14.11%+190 bps
Loan Growth (YoY)1.91%-3.50%-1.87%18.57%15.01%+1,310 bps
Deposit Growth (YoY)9.53%8.37%7.86%29.18%22.87%+1,334 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.04%0.05%0.05%0.12%-8 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.15%0.00%0.07%0.11%0.15%-100 bps
Allowance Coverage of NPLs5.7x0.1x1.4x2.2x1.3x-4.4x
Capital
Tier 1 Leverage Ratio19.62%10.05%10.13%9.20%9.14%-1,047 bps
Total Risk-Based Capital23.90%11.24%11.05%9.20%9.14%-1,476 bps
Equity / Assets19.31%17.16%17.10%14.86%15.88%-343 bps
Liquidity & Funding
Loans / Deposits93.27%88.33%93.44%85.98%87.31%-597 bps
Liquid Assets / Assets5.32%2.02%1.11%8.42%6.15%+83 bps
CRE / Total Capitaln/an/an/an/an/an/an/a