Finward Bancorp · NASDAQ:FNWD
Finward Bancorp — Investor Presentation (September 2022)
23 slides from Finward Bancorp's investor presentation, Sep 7, 2022
Slide 1: Investor Presentation
> FINWARD BANCORP Investor Presentation Wednesday, September 7, 2022
Slide 2: Finward Bancorp
Finward Bancorp > FINWARD BANCORP A NASDAQ Traded Company - Symbol FNWD tila
Slide 3: Forward-Looking Disclosures
September 7, 2022 Forward-Looking Disclosures Forward-Looking Statomante This presertation may contain frward-ookrg statements regarding the financial perormance, business prospects, growth ad operating strategies of inward Bancorp (the “Bancorp. For these statements, the Bancorp claims the protecti
Slide 4: Company Overview
Company Overview Primary Business Segments Community Banking Wealth Management September 7.2072 Overview of Finward Bancorp {12-year cld bank headquartered in Munster, Indiana Community benk wth care competency in commercial ening indad by 2 formidable low-cost core deposit franchise Named a Bast Ba
Slide 5: Investment Rationale
September 7.2072 Investment Rationale 4.BY6TBV + Dividend CAGR since year-end 2013 (8.356 when excluding impacto ADC!) Emphasis cn expanding both wealth management and business barking Robust & Disciplined Grawth Supporting y ; Strang Profitability = Organic growth enhanced by strategic acquisitions
Slide 6: Corporate History
September 7.2072 Corporate History 1 Total Organic Assets DAoquired Assets RDM EM EH EO Ee Ee Ee ee * Naragmen:——* Conpletel * enBoctnons + BenBechnoss + Tadd Sceubramad + Conpleted Competed * Anroucediey —* UstedonMASOAO + Jarry 202 transionbeger —acestioneffrst ramedPresdnt added ED tle APE Chief
Slide 7: Executive Management Team
September 7.20 Executive Management Team Years of Banking ‘Year Started at Diticar Experience Finward Boncarp Postion wth Company = Muti-generational leadership Benjamin J 8 om Chief Executive Officer and Finward ‘in with Meciclon oF cated Buchnowski Bancorp President experience working together = S
Slide 8: Diverse Board of Directors
September 7.2022 Diverse Board of Directors Year Joined Bsard Member Age lent beet) David A. Bochnowski 6 ‘gn7 Chairmen Year Joinad Year Joined Board Member te Board fe Board Gesjemin J Becknawski ri on ry a President § CEO Athy W. Punto eed Independent Director "> FINWARD : BANCORP
Slide 9: Disciplined and Experienced Acquiror
September 7.2072 Disciplined and Experienced Acquiror First Federal Savings ast Sloan Assaciation af a Bas ‘AJ TANCORR, 1c ‘Post Hammond = “Bank, nail, oe Transaction Closed Closed ' Closed Closed i Closed Date April 2014 uly 2015, 1 duly 2018 danvary 2019 1 January 2022 1 1 0 0 H sieM saan 1 som al
Slide 10: Driving Service Excellence
September 7.2072 Driving Service Excellence «= Transitioning from customers and features to relationships and solutions ® Focus on what clients need to thrive * Broaden product/service offerings = Reduce complexity © Reduce cycle time Efficiency + Improve sales growth = Grow into new markets organic
Slide 11: Well-Balanced, Growing Loan Portfolio
September 7.2072 Well-Balanced, Growing Loan Portfolio 02°22 Loan Portfolio by Collateral Type 265% 24% O.7% Historical Gross Loans ($ Millions) ‘= Urgaric Loans * Residential Real Estate 1a? Loans ‘Checuired Loans san * Commercial RealEstate = Malfamily $506 foal Loalh 9 ‘= Construction & Land Deve
Slide 12: Conservative Approach to Credit
September 7.2072 Conservative Approach to Credit Experienced banking team with deep knavdedge of the Chicago area markat empowered tobe relationship bankers (natjust lenders) Prudent risk identification and mitigation processesin place to proactively addressrists inthe loan partiio Credit Phitasophy
Slide 13: Stable and Growing Core Deposit Franchise
September 7.2072 Stable and Growing Core Deposit Franchise s OrgnieDepests ‘abequred Depaats ‘= Noninterest Bearing Checking * Interest Bearing Checking * Sovings » Maney Market 57) | 3805) + Retail Time <S100K 4 val a 5 I s © Jumbo Time >SIDDK . m8 m0 mS me m7 me mo mM MON aezVO 86% Core!) Cost of
Slide 14: Core Earnings Power
September 7.2072 Core eines Power SiMiios crt per sare mmm aretcane me AP itleo ss tere FS Strong earnings continue to acorete to and build capital Lowcost funding allows for utlizing the balance sheet efficiently s sags Successful execution of MBA stratagy resulting in realized synergies more than
Slide 15: Capital to Support Growth
September 7, 2022 Capital to Support Growth Regulatory capital levels in excess of well-capitalized requirements ‘= TCE Rata el PPP)” = Leverage Ratio ex PPP)!" * Tangle capital reprecented 5.2% of tangible assets on June 30, 2072 (a non-GAMP 29% rmessure) Set 2% 5 suagos agyans SRS cans 13g BO a Ta
Slide 16: Recap of Franchise Highlights
Recap of Franchise Highlights Vv) Experienced and Invested Leadership * Dynamic team with significant experiance in Chicago area markets * Interests agned with shareholders through substantial ownership Vv} Meaningful Presence in Diverse, Dynamic Markets = Benefiting from Chic os and ions usiness-fr
Slide 17: Thank You
THANK YOu 2” FINWARD
Slide 18: Appendix
APPENDIX > FINWARD BANCORP.
Slide 19: Historical Financial Summary
ertember 7.2022 Historical Financial Summary Sinthousands, except per share data “Tota Aasots $977.250 $1,006,158 $1808t61 $1,496,292 St620.74_ $2.401.485 Loans, Net 612.729, 759.400 997 220 952.600, 90377 1460975, Total Deposits 793,008 929,786, 4154370 1302389 1494.201 1911215 Tangible Common Eoui
Slide 20: >» FINWARD a
>» FINWARD a BANCORP
Slide 21: Non-GAAP Reconciliation
September Non-GAAP Reconciliation Toaaesoe CE — ts) Tm) NT) aNon tite (tones = oe ee st ee ‘oreo = yey ca waza ese erin ae) Terabe connie Sam $a $ Tee § wen $ wou _$ era _$ Wan § 1s _$ e280 © aa RT RNID, Zoujiaapasoy—aaciawT—Sploser aor ganser—swenre7 SACO —_—9atazO" Targhle common guy tng ass oe PP
Slide 22: Non-GAAP Reconciliation
_ Non-GAAP Reconciliation D>» FINWARD BANCORP
Slide 23: Non-GAAP Reconciliation
Non-GAAP Reconciliation >» FINWARD BANCORP
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