Ashland, WI · Cert 10035
FDIC
Q1 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ashland, WI · Cert 10035
FDIC
Q1 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.53% | 1.51% | 1.30% | 1.29% | 1.26% | 1.34% | 1.22% | -8 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.99% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 63.57% | n/a | n/a |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 2.23% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.73% | 10.89% | 14.66% | 11.56% | 6.66% | 0.26% | -2.97% | -3.49% | -1,505 bps | |
| Loan Growth (YoY) | 8.93% | 12.46% | 16.51% | 11.21% | 5.51% | 1.08% | -2.68% | -0.85% | -1,205 bps | |
| Deposit Growth (YoY) | 3.50% | 6.66% | 2.04% | 2.67% | 4.94% | 3.28% | 1.58% | 6.04% | +337 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -0.05% | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.59% | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.37% | n/a | n/a |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.43% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.02% | 101.34% | 97.62% | 102.11% | 98.55% | 99.18% | 93.52% | 95.48% | -663 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 6.61% | +661 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |