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Livingston State Bank

Livingston, WI · Cert 6185

FDIC · 3 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

Livingston State Bank

Livingston, WI · Cert 6185

FDIC · 3 branches

Q3 2016

$163.6MAssets
$125.0MLoans
$133.2MDeposits
$22.2MEquity
Loan mix
90%RE $92.1M8%C&I $7.9M2%Consumer $2.5MQ3 2015Q3 2016
Deposit mix
86%Interest-bearing $114.4M14%Noninterest $18.8MQ3 2015Q3 2016

NIM

4.01%Q3 ’143.95%Q3 ’154.05%Q3 ’16+1%+7%

Non-interest income vs. expense

2.47%Q3 ’142.42%Q3 ’152.35%Q3 ’16-1%+0%

Executive Summary

  • Earnings: ROA of 0.36%, down 60 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.04%, down 118 bps from a year ago.
  • Funding: loans stand at 93.84% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.36%-60 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+25 bps YoY

Efficiency Ratio (YTD, annualized)

59.79%-392 bps YoY

Tier 1 Leverage Ratio

10.04%-118 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.96%0.97%0.92%-0.26%0.36%-60 bps
Return on Equity7.74%7.81%7.16%-1.99%2.77%-497 bps
Net Interest Margin3.51%3.49%3.53%3.58%3.75%+25 bps
Efficiency Ratio63.71%62.96%63.54%63.92%59.79%-392 bps
Non-Interest Burden2.08%2.04%2.11%2.11%2.08%0 bps
Growth
Asset Growth (YoY)3.36%4.25%0.50%2.49%-0.42%-378 bps
Loan Growth (YoY)0.08%0.12%1.50%1.64%2.57%+249 bps
Deposit Growth (YoY)-0.34%3.64%-2.83%-2.05%-3.57%-323 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.02%-0.04%-0.04%-1 bps
Allowance / Loans1.60%1.62%1.59%0.00%0.13%-148 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.22%11.47%11.50%9.90%10.04%-118 bps
Total Risk-Based Capital16.56%17.54%17.03%13.46%13.83%-273 bps
Equity / Assets12.40%12.55%13.13%12.95%13.55%+115 bps
Liquidity & Funding
Loans / Deposits88.22%86.82%92.93%90.80%93.84%+562 bps
Liquid Assets / Assets5.81%9.19%5.24%5.77%5.32%-49 bps
CRE / Total Capitaln/an/an/an/an/an/an/a