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Integrity First Bank

Wausau, WI · Cert 58091

FDIC · 1 branch

Q1 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: Q1 2017, the quarter ended March 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

Integrity First Bank

Wausau, WI · Cert 58091

FDIC · 1 branch

Q1 2017

$82.8MAssets
$63.5MLoans
$64.2MDeposits
$12.3MEquity
Loan mix
65%RE $27.1M35%C&I $14.6M1%Consumer $0.2MQ1 2016Q1 2017
Deposit mix
85%Interest-bearing $54.4M15%Noninterest $9.9MQ1 2016Q1 2017

NIM

4.41%Q1 ’154.21%Q1 ’164.48%Q1 ’17-1%+6%

Non-interest income vs. expense

3.15%Q1 ’152.84%Q1 ’164.46%Q1 ’17-9%+65%

Market Position · Wausau, WI · 2016 SOD (annual) · 2.0% share · #12 of 22 inst. · $0.1B of $3.1B

Executive Summary

  • Earnings: ROA of 0.38%, down 46 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.54% of loans (+154 bps YoY), with net recoveries of 0.39%.
  • Capital: tier 1 leverage ratio of 12.12%, up 57 bps from a year ago.
  • Funding: loans stand at 98.95% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.38%-46 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+23 bps YoY

Efficiency Ratio (YTD, annualized)

101.44%+3,224 bps YoY

Tier 1 Leverage Ratio

12.12%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.84%0.89%0.93%0.81%0.38%-46 bps
Return on Equity5.58%5.93%6.17%5.35%2.52%-306 bps
Net Interest Margin3.84%3.91%3.92%3.82%4.07%+23 bps
Efficiency Ratio69.20%68.99%67.56%69.66%101.44%+3,224 bps
Non-Interest Burden2.43%2.42%2.38%2.41%4.00%+157 bps
Growth
Asset Growth (YoY)10.89%7.28%5.17%3.59%0.92%-997 bps
Loan Growth (YoY)7.63%8.49%12.29%8.52%4.99%-264 bps
Deposit Growth (YoY)10.32%12.37%6.11%4.19%1.03%-929 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%1.54%+154 bps
Net Charge-Offs / Loans0.17%0.12%-0.01%-0.10%-0.39%-56 bps
Allowance / Loans1.45%1.42%1.38%1.48%1.42%-3 bps
Allowance Coverage of NPLsn/an/an/an/a0.9xn/an/a
Capital
Tier 1 Leverage Ratio11.55%11.85%12.01%11.85%12.12%+57 bps
Total Risk-Based Capital15.58%15.99%15.54%16.17%15.77%+19 bps
Equity / Assets14.71%14.95%15.08%15.33%14.81%+10 bps
Liquidity & Funding
Loans / Deposits95.22%95.66%103.03%103.52%98.95%+373 bps
Liquid Assets / Assets1.25%1.22%0.05%0.03%0.41%-83 bps
CRE / Total Capitaln/an/an/an/an/an/an/a