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Anchor Bank, West St Paul, National Association

West Saint Paul, MN · Cert 8868

FDIC · 18 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Anchor Bank, West St Paul, National Association

West Saint Paul, MN · Cert 8868

FDIC · 18 branches

Q3 2017

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$207.1MEquity
Loan mix
52%RE $629.7M47%C&I $560.5M1%Consumer $12.2MQ3 2016Q3 2017
Deposit mix
67%Interest-bearing $1.2B33%Noninterest $0.6BQ3 2016Q3 2017

NIM

3.29%Q3 ’153.48%Q3 ’163.55%Q3 ’17+5%+2%

Non-interest income vs. expense

2.74%Q3 ’152.56%Q3 ’162.67%Q3 ’17-15%+11%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.9% share · #6 of 153 inst. · $1.7B of $189.3B

8.7% Dakota
0.4% Hennepin
0.6% Ramsey
3.5% Washington

Executive Summary

  • Earnings: ROA of 0.99%, up 3 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.79% of loans (+79 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 9.50%, up 12 bps from a year ago.
  • Funding: loans stand at 90.02% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.99%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+7 bps YoY

Efficiency Ratio (YTD, annualized)

63.07%+288 bps YoY

Tier 1 Leverage Ratio

9.50%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.96%0.94%0.91%0.97%0.99%+3 bps
Return on Equity9.81%9.55%9.15%9.80%10.00%+19 bps
Net Interest Margin3.32%3.32%3.36%3.39%3.39%+7 bps
Efficiency Ratio60.20%60.88%71.57%64.97%63.07%+288 bps
Non-Interest Burden1.66%1.70%2.21%1.92%1.85%+19 bps
Growth
Asset Growth (YoY)3.18%3.12%4.23%3.70%3.60%+42 bps
Loan Growth (YoY)6.57%7.20%6.77%7.54%7.88%+132 bps
Deposit Growth (YoY)-1.49%3.29%4.64%6.86%7.23%+872 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.45%0.41%0.79%+79 bps
Net Charge-Offs / Loans0.03%0.02%0.61%0.29%0.19%+16 bps
Allowance / Loans1.22%1.32%1.22%1.20%1.19%-3 bps
Allowance Coverage of NPLsn/an/a2.7x2.9x1.5xn/a
Capital
Tier 1 Leverage Ratio9.38%9.32%9.46%9.54%9.50%+12 bps
Total Risk-Based Capital12.43%12.57%12.65%12.20%11.85%-58 bps
Equity / Assets9.83%9.79%10.02%9.95%9.93%+10 bps
Liquidity & Funding
Loans / Deposits89.47%85.61%85.63%91.40%90.02%+55 bps
Liquid Assets / Assets4.46%5.68%5.29%4.55%4.33%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a