Withee, WI · Cert 12779
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.92% | 0.79% | 1.05% | 0.94% | 0.79% | 0.72% | 1.18% | +13 bps | |
| Return on Equity | 9.15% | 8.18% | 6.88% | 9.24% | 8.68% | 7.36% | 6.50% | 10.41% | +118 bps | |
| Net Interest Margin | 3.86% | 3.78% | 3.77% | 3.95% | 3.84% | 3.61% | 3.56% | 3.93% | -2 bps | |
| Efficiency Ratio | 64.17% | 72.66% | 71.43% | 66.97% | 67.03% | 72.65% | 74.61% | 62.17% | -480 bps | |
| Non-Interest Burden | 2.16% | 2.50% | 2.41% | 2.29% | 2.32% | 2.37% | 2.41% | 2.03% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 5.80% | 3.44% | 7.01% | 9.25% | 4.64% | 5.95% | 1.05% | -596 bps | |
| Loan Growth (YoY) | 4.49% | 1.68% | 7.11% | 10.67% | 6.07% | 10.54% | 13.01% | 10.85% | +18 bps | |
| Deposit Growth (YoY) | 0.07% | 5.84% | 3.28% | 7.25% | 10.26% | 4.18% | 6.54% | -0.19% | -744 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 | 0.02% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0.08% | -0.01% | -1 bps | |
| Allowance / Loans | 1.49% | 1.55% | 1.47% | 1.43% | 1.47% | 1.46% | 1.33% | 1.32% | -11 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 | 18.15% | 19.11% | 18.36% | 17.39% | 16.85% | 17.01% | 16.28% | 16.57% | -83 bps | |
| Equity / Assets | 11.16% | 11.35% | 11.55% | 11.18% | 10.43% | 11.15% | 11.13% | 11.60% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.11% | 73.74% | 79.09% | 79.47% | 73.21% | 78.24% | 83.90% | 88.27% | +879 bps | |
| Liquid Assets / Assets | 1.84% | 2.29% | 1.58% | 1.18% | 2.06% | 2.88% | 3.10% | 2.83% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |