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Layton State Bank

Milwaukee, WI · Cert 6191

FDIC · 4 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

Layton State Bank

Milwaukee, WI · Cert 6191

FDIC · 4 branches

Q3 2016

$120.7MAssets
$86.8MLoans
$107.5MDeposits
$12.3MEquity
Loan mix
90%RE $61.1M10%C&I $7.0M0%Consumer $0.2MQ3 2015Q3 2016
Deposit mix
79%Interest-bearing $85.4M21%Noninterest $22.2MQ3 2015Q3 2016

NIM

3.59%Q3 ’143.69%Q3 ’153.67%Q3 ’16+6%-1%

Non-interest income vs. expense

4.27%Q3 ’144.35%Q3 ’154.07%Q3 ’16-25%+18%

Market Position · Milwaukee-Waukesha-West Allis, WI · 2016 SOD (annual) · 0.2% share · #37 of 51 inst. · $0.1B of $64.7B

0.2% Milwaukee
0.2% Waukesha

Executive Summary

  • Earnings: ROA of -0.16%, down 31 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.03%, down 28 bps from a year ago.
  • Funding: loans stand at 80.76% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-3 bps YoY

Efficiency Ratio (YTD, annualized)

106.84%+1,381 bps YoY

Tier 1 Leverage Ratio

9.03%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.16%0.14%-0.11%-0.07%-0.16%-31 bps
Return on Equity1.51%1.31%-1.05%-0.64%-1.54%-305 bps
Net Interest Margin3.42%3.39%3.41%3.41%3.39%-3 bps
Efficiency Ratio93.03%93.78%104.86%102.76%106.84%+1,381 bps
Non-Interest Burden3.06%3.08%3.56%3.48%3.61%+55 bps
Growth
Asset Growth (YoY)-6.51%-2.19%-2.99%-3.72%-5.44%+107 bps
Loan Growth (YoY)1.59%-0.27%-2.27%0.61%-5.68%-727 bps
Deposit Growth (YoY)-6.93%-1.37%-3.33%-3.03%-5.39%+154 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.15%0.00%0.06%0.04%-7 bps
Allowance / Loans1.18%1.11%1.10%1.10%1.15%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.31%9.15%9.53%9.05%9.03%-28 bps
Total Risk-Based Capital12.51%12.37%12.74%12.27%12.55%+4 bps
Equity / Assets10.32%10.45%10.47%10.20%10.21%-12 bps
Liquidity & Funding
Loans / Deposits81.01%84.30%86.74%84.40%80.76%-25 bps
Liquid Assets / Assets0.13%0.14%0.49%0.47%0.53%+40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a