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Signature Bank

Minnetonka, MN · Cert 57631

FDIC · 1 branch

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

Signature Bank

Minnetonka, MN · Cert 57631

FDIC · 1 branch

Q4 2017

$409.2MAssets
$339.1MLoans
$368.1MDeposits
$39.3MEquity
Loan mix
51%RE $138.0M45%C&I $121.3M4%Consumer $9.8MQ4 2016Q4 2017
Deposit mix
70%Interest-bearing $258.4M30%Noninterest $109.7MQ4 2016Q4 2017

NIM

4.11%Q4 ’154.46%Q4 ’164.58%Q4 ’17+7%+1%

Non-interest income vs. expense

2.74%Q4 ’152.76%Q4 ’162.68%Q4 ’170%+1%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.2% share · #30 of 153 inst. · $0.3B of $189.3B

Executive Summary

  • Earnings: ROA of 1.67%, up 7 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.47% of loans (+47 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 9.42%, up 39 bps from a year ago.
  • Funding: loans stand at 92.11% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.67%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+4 bps YoY

Efficiency Ratio (YTD, annualized)

59.30%-80 bps YoY

Tier 1 Leverage Ratio

9.42%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets1.60%1.37%1.48%1.59%1.67%+7 bps
Return on Equity17.76%14.58%15.62%16.60%17.48%-28 bps
Net Interest Margin4.10%3.94%4.05%4.11%4.14%+4 bps
Efficiency Ratio60.10%63.02%61.78%60.76%59.30%-80 bps
Non-Interest Burden2.25%2.34%2.35%2.32%2.28%+3 bps
Growth
Asset Growth (YoY)2.00%9.83%7.44%5.37%8.60%+660 bps
Loan Growth (YoY)12.81%8.70%5.66%5.16%10.07%-274 bps
Deposit Growth (YoY)0.45%9.45%4.76%3.55%8.68%+823 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.19%0.70%0.47%+47 bps
Net Charge-Offs / Loans0.09%0.43%0.22%0.20%0.20%+11 bps
Allowance / Loans1.20%1.14%1.16%1.14%1.11%-9 bps
Allowance Coverage of NPLsn/a20.2x6.2x1.6x2.4xn/a
Capital
Tier 1 Leverage Ratio9.03%9.11%9.15%9.38%9.42%+39 bps
Total Risk-Based Capital11.76%11.87%11.80%12.03%11.82%+5 bps
Equity / Assets9.47%9.32%9.59%9.92%9.60%+13 bps
Liquidity & Funding
Loans / Deposits90.94%87.29%93.92%97.18%92.11%+117 bps
Liquid Assets / Assets3.89%3.80%5.10%3.94%4.33%+44 bps
CRE / Total Capitaln/an/an/an/an/an/an/a