PackageTrendsPeer
Letter portraitLegal landscape

Foundations Bank

Pewaukee, WI · Cert 57972

FDIC · 1 branch

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Foundations Bank

Pewaukee, WI · Cert 57972

FDIC · 1 branch

Q4 2015

$125.7MAssets
$75.0MLoans
$98.4MDeposits
$22.8MEquity
Loan mix
81%RE $48.1M18%C&I $10.9M1%Consumer $0.4MQ4 2014Q4 2015
Deposit mix
83%Interest-bearing $81.5M17%Noninterest $16.9MQ4 2014Q4 2015

NIM

3.71%Q4 ’133.27%Q4 ’143.13%Q4 ’15-4%+2%

Non-interest income vs. expense

2.88%Q4 ’132.26%Q4 ’142.24%Q4 ’15-17%+2%

Market Position · Milwaukee-Waukesha-West Allis, WI · 2015 SOD (annual) · 0.1% share · #39 of 52 inst. · $0.1B of $64.1B

Executive Summary

  • Earnings: ROA of 0.47%, down 462 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.39%.
  • Capital: tier 1 leverage ratio of 14.95%.
  • Funding: loans stand at 76.23% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.47%-462 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+7 bps YoY

Efficiency Ratio (YTD, annualized)

76.01%+207 bps YoY

Tier 1 Leverage Ratio

14.95%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets5.09%0.65%0.58%0.55%0.47%-462 bps
Return on Equity32.04%3.68%3.26%3.05%2.61%-2,943 bps
Net Interest Margin2.78%2.90%3.03%2.92%2.85%+7 bps
Efficiency Ratio73.94%65.86%69.70%71.69%76.01%+207 bps
Non-Interest Burden1.99%1.76%1.98%1.96%2.03%+5 bps
Growth
Asset Growth (YoY)4.99%9.38%-1.82%-2.97%0.28%-472 bps
Loan Growth (YoY)1.85%1.61%0.20%-5.57%-3.90%-575 bps
Deposit Growth (YoY)-2.36%2.60%-3.02%-4.58%-0.30%+206 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.35%0.24%0.39%+39 bps
Allowance / Loans3.29%3.24%3.14%3.31%3.03%-26 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a14.40%14.87%14.87%14.95%n/a
Total Risk-Based Capital22.02%22.53%23.01%24.46%23.23%+121 bps
Equity / Assets17.71%17.60%18.41%18.30%18.13%+42 bps
Liquidity & Funding
Loans / Deposits79.09%78.55%81.21%75.54%76.23%-286 bps
Liquid Assets / Assets8.78%4.12%4.40%3.19%3.55%-523 bps
CRE / Total Capitaln/an/an/an/an/an/an/a