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Eagle Valley Bank, National Association

Saint Croix Falls, WI · Cert 5365

FDIC · 3 branches

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

Eagle Valley Bank, National Association

Saint Croix Falls, WI · Cert 5365

FDIC · 3 branches

Q1 2018

$143.5MAssets
$129.6MLoans
$97.5MDeposits
$13.7MEquity
Loan mix
81%RE $90.7M19%C&I $20.8M0%Consumer $0.4MQ1 2017Q1 2018
Deposit mix
83%Interest-bearing $81.0M17%Noninterest $16.6MQ1 2017Q1 2018

NIM

4.37%Q1 ’164.43%Q1 ’174.49%Q1 ’18+5%+9%

Non-interest income vs. expense

3.07%Q1 ’163.23%Q1 ’173.55%Q1 ’18+5%+13%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.0% share · #110 of 153 inst. · $0.0B of $189.3B

8.1% Polk
0.9% Washington
0.2% Dakota

Executive Summary

  • Earnings: ROA of 2.47%, up 192 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.09% of loans (-14 bps YoY), with net charge-offs at 0.54%.
  • Capital: tier 1 leverage ratio of 9.32%, down 64 bps from a year ago.
  • Funding: loans stand at 132.86% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

2.47%+192 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+33 bps YoY

Efficiency Ratio (YTD, annualized)

88.10%+297 bps YoY

Tier 1 Leverage Ratio

9.32%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.55%0.62%0.75%0.83%2.47%+192 bps
Return on Equity5.75%6.63%8.07%9.03%26.48%+2,073 bps
Net Interest Margin3.49%3.35%3.39%3.46%3.81%+33 bps
Efficiency Ratio85.13%82.83%80.16%78.54%88.10%+297 bps
Non-Interest Burden2.92%2.72%2.65%2.64%3.32%+39 bps
Growth
Asset Growth (YoY)2.60%5.94%4.61%7.50%7.66%+506 bps
Loan Growth (YoY)7.86%14.60%8.57%11.48%11.23%+337 bps
Deposit Growth (YoY)-0.24%1.17%5.86%7.47%5.89%+613 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.21%0.28%0.23%0.09%-14 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.54%+55 bps
Allowance / Loans1.26%1.20%1.21%1.17%1.10%-16 bps
Allowance Coverage of NPLs5.5x5.7x4.3x5.2x12.4x+6.9x
Capital
Tier 1 Leverage Ratio9.96%9.01%9.09%9.28%9.32%-64 bps
Total Risk-Based Capital13.73%12.68%13.16%13.20%12.84%-89 bps
Equity / Assets9.63%8.85%9.03%9.08%9.57%-7 bps
Liquidity & Funding
Loans / Deposits126.48%131.32%128.61%129.07%132.86%+638 bps
Liquid Assets / Assets1.29%0.22%2.61%1.84%0.48%-81 bps
CRE / Total Capitaln/an/an/an/an/an/an/a