Reedsburg, WI · Cert 12799
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Reedsburg, WI · Cert 12799
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.79% | 0.85% | 0.95% | 1.02% | 1.21% | 1.05% | 0.80% | -15 bps | |
| Return on Equity | 6.20% | 4.96% | 5.48% | 6.12% | 6.58% | 7.68% | 6.65% | 5.04% | -107 bps | |
| Net Interest Margin | 3.45% | 3.23% | 3.28% | 3.32% | 3.41% | 3.65% | 3.43% | 3.34% | +3 bps | |
| Efficiency Ratio | 61.61% | 64.64% | 61.97% | 58.99% | 56.92% | 50.46% | 54.23% | 56.44% | -255 bps | |
| Non-Interest Burden | 2.00% | 2.02% | 1.96% | 1.85% | 1.82% | 1.72% | 1.74% | 1.78% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.90% | 8.50% | 12.00% | 6.36% | 6.40% | 4.54% | -1.99% | -0.43% | -679 bps | |
| Loan Growth (YoY) | 22.31% | 11.38% | 17.36% | 10.75% | 8.77% | 6.64% | -0.78% | 0.67% | -1,008 bps | |
| Deposit Growth (YoY) | 9.68% | 2.13% | 13.05% | 10.58% | 11.52% | 11.55% | 2.60% | 1.59% | -899 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% | 0.03% | 0.02% | 0.10% | 0.07% | 0.22% | 0.14% | 0.24% | +14 bps | |
| Allowance / Loans | 0.83% | 0.86% | 0.83% | 0.82% | 0.84% | 0.83% | 0.85% | 1.07% | +25 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 | 10.65% | 10.57% | 10.05% | 10.76% | 10.78% | 11.28% | 11.34% | 11.36% | +60 bps | |
| Equity / Assets | 15.94% | 15.88% | 14.94% | 15.55% | 15.51% | 15.91% | 15.97% | 16.00% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.51% | 102.79% | 103.66% | 101.52% | 99.01% | 98.26% | 100.25% | 100.60% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.03% | 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 |