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Bankers Trust Company, National Association

Cedar Rapids, IA · Cert 57484

FDIC · 3 branches

Q4 2015

$493.1MAssets
$446.7MLoans
$297.7MDeposits
$50.2MEquity
Loan mix
72%RE $232.7M26%C&I $85.2M1%Consumer $4.7MQ4 2014Q4 2015
Deposit mix
81%Interest-bearing $241.4M19%Noninterest $56.3MQ4 2014Q4 2015

NIM

4.06%Q4 ’134.01%Q4 ’143.94%Q4 ’15+4%+3%

Non-interest income vs. expense

1.85%Q4 ’132.15%Q4 ’142.19%Q4 ’15+30%-5%

Market Position · Cedar Rapids, IA · 2015 SOD (annual) · 5.8% share · #6 of 41 inst. · $0.3B of $5.5B

Executive Summary

  • Earnings: ROA of 1.14%, up 15 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.00%.
  • Funding: loans stand at 150.02% of deposits as of Q4 2015.

Financial Results

Return on Assets (quarter, annualized)

1.14%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+10 bps YoY

Efficiency Ratio (quarter, annualized)

54.98%-227 bps YoY

Tier 1 Leverage Ratio

10.00%

Discrete quarter, annualized.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.99%0.91%1.06%1.10%1.14%+15 bps
Return on Equity9.74%9.25%10.82%10.92%11.17%+143 bps
Net Interest Margin3.30%3.21%3.29%3.39%3.40%+10 bps
Efficiency Ratio57.25%59.85%56.58%56.15%54.98%-227 bps
Non-Interest Burden1.69%1.71%1.57%1.62%1.61%-8 bps
Growth
Asset Growth (YoY)4.05%10.78%6.84%9.31%8.00%+395 bps
Loan Growth (YoY)7.38%11.91%13.07%12.60%11.04%+366 bps
Deposit Growth (YoY)-5.96%0.49%2.22%1.43%1.59%+756 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.02%+2 bps
Allowance / Loans2.04%1.94%1.90%1.96%1.91%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a10.03%9.89%10.03%10.00%n/a
Total Risk-Based Capital12.66%11.96%11.76%12.16%11.86%-80 bps
Equity / Assets10.07%9.68%9.86%10.28%10.17%+11 bps
Liquidity & Funding
Loans / Deposits137.27%140.83%137.95%146.76%150.02%+1,276 bps
Liquid Assets / Assets0.96%2.30%0.47%0.91%1.08%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a