Oconto, NE · Cert 11024
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Oconto, NE · Cert 11024
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.26% | 1.24% | 1.14% | 1.40% | 1.34% | 1.31% | 1.18% | +3 bps | |
| Return on Equity | 10.25% | 9.88% | 9.61% | 8.88% | 10.69% | 10.28% | 10.19% | 9.14% | +25 bps | |
| Net Interest Margin | 4.03% | 4.03% | 4.07% | 4.00% | 4.06% | 4.09% | 3.84% | 3.88% | -12 bps | |
| Efficiency Ratio | 59.58% | 60.87% | 62.13% | 65.27% | 59.13% | 60.74% | 60.00% | 62.40% | -287 bps | |
| Non-Interest Burden | 2.15% | 2.19% | 2.27% | 2.38% | 2.17% | 2.28% | 2.11% | 2.23% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.94% | 3.24% | -2.27% | 1.39% | 4.16% | 8.16% | 14.77% | 7.32% | +593 bps | |
| Loan Growth (YoY) | 19.57% | 16.21% | 4.11% | 10.93% | 10.47% | 16.08% | 20.35% | 11.50% | +57 bps | |
| Deposit Growth (YoY) | 1.08% | -0.32% | -4.23% | -1.77% | -0.53% | -3.50% | 1.57% | 2.13% | +391 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 | -0.79% | -0.33% | -0.25% | -0.28% | -0.87% | -0.49% | -0.33% | -0.38% | -10 bps | |
| Allowance / Loans | 1.31% | 1.24% | 1.21% | 1.32% | 1.49% | 1.42% | 1.33% | 1.68% | +37 bps | |
| 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 | 16.31% | 16.21% | 16.11% | 16.47% | 16.42% | 15.94% | 14.88% | 16.40% | -7 bps | |
| Equity / Assets | 12.86% | 13.04% | 13.30% | 12.89% | 13.26% | 12.85% | 12.36% | 13.06% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.30% | 84.66% | 93.82% | 85.41% | 91.40% | 101.83% | 111.16% | 93.24% | +783 bps | |
| Liquid Assets / Assets | 1.52% | 1.52% | 1.50% | 1.44% | 1.43% | 0.94% | 0.86% | 0.46% | -98 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |