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First American Bank, National Association

Hudson, WI · Cert 58593

FDIC · 1 branch

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

First American Bank, National Association

Hudson, WI · Cert 58593

FDIC · 1 branch

Q2 2020

$135.0MAssets
$99.2MLoans
$111.1MDeposits
$19.1MEquity
Loan mix
62%RE $42.8M36%C&I $24.7M3%Consumer $2.0MQ2 2019Q2 2020
Deposit mix
87%Interest-bearing $96.7M13%Noninterest $14.4MQ2 2019Q2 2020

NIM

4.26%Q2 ’184.70%Q2 ’194.00%Q2 ’20+1%+7%

Non-interest income vs. expense

3.05%Q2 ’182.76%Q2 ’191.64%Q2 ’20-8%-37%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2020 SOD (annual) · 0.1% share · #86 of 144 inst. · $0.1B of $218.0B

Executive Summary

  • Earnings: ROA of 1.09%, up 31 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.24% of loans (-39 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.45%, down 548 bps from a year ago.
  • Funding: loans stand at 89.25% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

1.09%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+23 bps YoY

Efficiency Ratio (YTD, annualized)

47.06%-3,095 bps YoY

Tier 1 Leverage Ratio

8.45%-548 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.78%0.66%0.37%1.11%1.09%+31 bps
Return on Equity5.70%4.80%2.72%7.96%7.80%+210 bps
Net Interest Margin3.34%3.34%1.08%3.78%3.58%+23 bps
Efficiency Ratio78.01%80.98%45.88%48.03%47.06%-3,095 bps
Non-Interest Burden2.56%2.68%0.43%1.68%1.63%-94 bps
Growth
Asset Growth (YoY)3.55%3.27%4.58%-2.97%4.46%+91 bps
Loan Growth (YoY)4.53%1.47%-11.66%-19.42%-12.23%-1,675 bps
Deposit Growth (YoY)11.63%11.47%7.81%2.62%0.91%-1,071 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.28%0.28%0.49%0.24%-39 bps
Net Charge-Offs / Loans0.00%0.01%0.00%-0.05%-0.02%-2 bps
Allowance / Loans1.17%1.20%0.07%0.20%0.28%-90 bps
Allowance Coverage of NPLs1.9x4.3x0.3x0.4x1.1x-0.7x
Capital
Tier 1 Leverage Ratio13.93%14.17%8.28%8.68%8.45%-548 bps
Total Risk-Based Capital16.57%17.29%10.13%10.79%12.13%-445 bps
Equity / Assets13.86%13.99%13.76%14.23%14.13%+27 bps
Liquidity & Funding
Loans / Deposits102.61%100.97%85.84%84.78%89.25%-1,336 bps
Liquid Assets / Assets2.57%4.27%10.20%6.32%3.39%+82 bps
CRE / Total Capitaln/an/an/an/an/an/an/a