March 27, 2019

Dear Shareholders & Friends,

Some of you may recall the commercial from the 90’s for BASF. “We don’t make a lot of the products you buy, we make them better.” BASF produces chemical components used in industries ranging from automotive to pharmaceuticals and while BASF impacts many aspects of our lives the average consumer doesn’t know they exist. Bankers’ Bank plays a similar behind-the-scenes role. While we don’t function as a community bank, we make community banks better by providing best-in-class products and solutions to help banks of all sizes improve their efficiency and profitability.

Our theme for this year’s Annual Report is diversity. Diversity in size of the banks we serve, the types of banks, the banks’ longevity, the ownership compositions, their missions, and the communities they serve. Our products and services fit the needs of banks of all sizes and goals throughout Wisconsin, Iowa, Illinois and Indiana. We’re proud to call banks from $7 million in assets to $5 billion in assets our customers, and to serve the widely varying needs of their customer bases.

2018 was a good year for Bankers’ Bank. Our earnings per share increased 12% and our $60.00 per share dividend was 13.2% higher in 2018 over 2017. We continued the trend of increasing our net interest income by deploying more earning assets in loans and leases. We also continued our focus on deepening our relationships with existing customers and adding new customers across all our lines of business. I realize it may sound redundant but our goals in 2019 continue the model we’ve focused on the last three years: Generate a solid return for our shareholders by growing the number of products and services we offer our customers. Here are just of few of the new initiatives we plan to promote in 2019:

  • Fed Funds Secured/Unsecured Dual Line
  • Cash Management Automation
  • Enhanced international foreign currency capabilities
  • FIRESafe
  • ALM Driver
  • SBA loan origination
  • Leasing vendor referral program
  • Expand residential, conventional and secondary market offerings
  • BankCard Community Rewards program
  • Wealth management insurance and advisory products

To provide our customers and prospects a solid understanding of our products and solutions we plan to make over 3,000 in-bank visits in 2019. We recognize that even though we’re a technology company working behind the scenes for you, we build our relationships face-to-face.

On behalf of our entire team, thank you for your support and the opportunity to serve you. I look forward to seeing you in 2019.

Bradlee F. Stamper
President & CEO

2018 Report *

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Annual Meeting Notice

The Annual Meeting of the Shareholders of Bankers’ Bancorporation, Inc. will be held Thursday, April 25, 2019, beginning at 10:00 a.m. The meeting will be held at the offices of the Corporation, 7700 Mineral Point Road, Madison, WI 53717. Copies of the meeting notice and proxy statements will be sent to all shareholders of record as of March 26, 2019.

Bankers’ Bancorporation, Inc. is a registered bank holding company. Bankers’ Bank is the sole banking subsidiary and a member of the Federal Reserve System; deposits are insured by the FDIC.