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Stonebridge Bank

Minneapolis, MN · Cert 58236

FDIC · 2 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

Stonebridge Bank

Minneapolis, MN · Cert 58236

FDIC · 2 branches

Q3 2016

$250.1MAssets
$196.3MLoans
$220.4MDeposits
$19.2MEquity
Loan mix
81%RE $136.0M17%C&I $28.4M3%Consumer $4.5MQ3 2015Q3 2016
Deposit mix
64%Interest-bearing $140.7M36%Noninterest $79.7MQ3 2015Q3 2016

NIM

4.05%Q3 ’144.29%Q3 ’154.36%Q3 ’16+5%0%

Non-interest income vs. expense

2.70%Q3 ’142.46%Q3 ’152.59%Q3 ’16-7%+7%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2016 SOD (annual) · 0.1% share · #51 of 154 inst. · $0.2B of $179.0B

0.1% Hennepin
2.3% Scott

Executive Summary

  • Earnings: ROA of 1.64%, up 23 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.85%, down 4 bps from a year ago.
  • Funding: loans stand at 89.04% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

1.64%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-1 bps YoY

Efficiency Ratio (YTD, annualized)

61.48%+351 bps YoY

Tier 1 Leverage Ratio

8.85%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.41%1.47%1.48%1.57%1.64%+23 bps
Return on Equity16.81%17.44%17.33%18.45%19.76%+296 bps
Net Interest Margin3.99%3.76%3.94%4.02%3.98%-1 bps
Efficiency Ratio57.97%58.13%64.63%61.14%61.48%+351 bps
Non-Interest Burden2.24%2.11%2.49%2.36%2.38%+15 bps
Growth
Asset Growth (YoY)19.46%15.36%10.87%12.24%22.31%+284 bps
Loan Growth (YoY)27.53%20.60%15.84%14.67%16.65%-1,088 bps
Deposit Growth (YoY)18.16%13.99%4.01%-1.34%18.84%+68 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.22%-0.01%-0.03%-0.02%-33 bps
Allowance / Loans1.21%1.17%1.16%1.13%1.09%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.89%8.71%8.55%8.65%8.85%-4 bps
Total Risk-Based Capital11.28%11.42%10.77%10.65%10.89%-39 bps
Equity / Assets8.71%8.59%8.49%8.46%7.67%-104 bps
Liquidity & Funding
Loans / Deposits90.71%89.43%103.73%110.97%89.04%-166 bps
Liquid Assets / Assets10.77%12.58%9.28%8.61%16.92%+615 bps
CRE / Total Capitaln/an/an/an/an/an/an/a