Blanchardville, WI · Cert 11639
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Blanchardville, WI · Cert 11639
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.71% | 1.60% | 1.70% | 1.68% | 1.74% | 1.75% | 1.73% | +3 bps | |
| Return on Equity | n/a | n/a | n/a | 20.64% | 21.12% | 22.27% | 22.85% | 25.43% | +480 bps | |
| Net Interest Margin | 4.82% | 4.81% | 4.66% | 5.06% | 4.85% | 4.38% | 4.28% | 4.65% | -40 bps | |
| Efficiency Ratio | 46.25% | 46.30% | 48.40% | 43.27% | 40.63% | 38.81% | 42.93% | 34.35% | -892 bps | |
| Non-Interest Burden | 1.73% | 1.78% | 1.85% | 1.79% | 1.45% | 1.21% | 1.43% | 1.19% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.88% | 9.15% | 9.08% | 15.70% | 26.99% | 27.10% | 37.89% | 48.77% | +3,307 bps | |
| Loan Growth (YoY) | 11.96% | 6.06% | 5.84% | 4.25% | 19.52% | 27.48% | 41.95% | 71.22% | +6,697 bps | |
| Deposit Growth (YoY) | 7.80% | 6.87% | 9.89% | 10.39% | 18.37% | 23.57% | 39.87% | 47.46% | +3,708 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 | 0.01% | 0.11% | 0.10% | 0.02% | 0.02% | 0.07% | 0.14% | 0.02% | 0 bps | |
| Allowance / Loans | 2.01% | 2.03% | 2.12% | 2.13% | 1.87% | 1.79% | 1.60% | 1.37% | -76 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 | 13.49% | 13.40% | 12.94% | 12.88% | 11.30% | 11.12% | 10.40% | 8.76% | -413 bps | |
| Equity / Assets | 8.95% | 8.25% | 8.53% | 7.92% | 7.55% | 7.36% | 7.19% | 6.46% | -146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.33% | 101.11% | 96.94% | 97.59% | 108.36% | 104.30% | 98.38% | 113.31% | +1,572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |