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Eastwood Bank

Kasson, MN · Cert 8208

FDIC · 13 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Eastwood Bank

Kasson, MN · Cert 8208

FDIC · 13 branches

Q4 2014

$656.3MAssets
$422.4MLoans
$540.5MDeposits
$52.2MEquity
Loan mix
83%RE $259.4M12%C&I $36.7M6%Consumer $18.0MQ4 2013Q4 2014
Deposit mix
90%Interest-bearing $487.3M10%Noninterest $53.2MQ4 2013Q4 2014

NIM

4.27%Q4 ’123.54%Q4 ’133.51%Q4 ’14-14%+2%

Non-interest income vs. expense

3.47%Q4 ’123.27%Q4 ’133.39%Q4 ’14-5%+11%

Market Position · Rochester, MN · 2014 SOD (annual) · 7.4% share · #4 of 36 inst. · $0.4B of $4.8B

9.0% Olmsted
10.8% Winona
5.6% Mower
10.6% Houston

Executive Summary

  • Earnings: ROA of 1.00%, down 8 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 78.14% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

1.00%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+5 bps YoY

Efficiency Ratio (YTD, annualized)

79.84%+447 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.08%0.79%0.89%0.95%1.00%-8 bps
Return on Equity12.75%10.46%11.75%12.40%13.06%+31 bps
Net Interest Margin3.10%3.23%3.23%3.21%3.15%+5 bps
Efficiency Ratio75.37%77.76%76.10%77.35%79.84%+447 bps
Non-Interest Burden2.16%2.45%2.35%2.37%2.41%+25 bps
Growth
Asset Growth (YoY)16.45%15.05%12.81%5.52%-1.89%-1,835 bps
Loan Growth (YoY)10.29%9.34%9.49%11.83%5.75%-453 bps
Deposit Growth (YoY)14.54%9.97%8.31%8.27%0.31%-1,423 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.29%0.17%0.07%0.04%-12 bps
Allowance / Loans1.34%1.31%1.29%1.25%1.21%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.45%12.53%12.50%12.56%12.32%-13 bps
Equity / Assets7.48%7.55%7.74%7.72%7.95%+47 bps
Liquidity & Funding
Loans / Deposits74.12%73.57%75.75%75.15%78.14%+402 bps
Liquid Assets / Assets1.34%3.70%3.32%9.07%5.88%+454 bps
CRE / Total Capitaln/an/an/an/an/an/an/a