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Reedsburg Bank, The

Reedsburg, WI · Cert 12799

FDIC

Q3 2007

$214.4MAssets
$161.7MLoans
$160.8MDeposits
$34.3MEquity
Loan mix
81%RE $98.7M19%C&I $23.2M0%Consumer $0.5MQ3 2006Q3 2007
Deposit mix
91%Interest-bearing $146.8M9%Noninterest $13.9MQ3 2006Q3 2007

NIM

5.44%Q3 ’056.58%Q3 ’066.27%Q3 ’07-2%-11%

Non-interest income vs. expense

2.46%Q3 ’052.23%Q3 ’062.22%Q3 ’07-13%+6%

Executive Summary

  • Earnings: ROA of 0.29%, down 84 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.44%.
  • Funding: loans stand at 100.60% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

0.29%-84 bps YoY

Net Interest Margin (quarter, annualized)

3.16%-38 bps YoY

Efficiency Ratio (quarter, annualized)

61.19%+744 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.13%1.23%1.21%0.90%0.29%-84 bps
Return on Equity7.42%7.94%7.68%5.62%1.83%-558 bps
Net Interest Margin3.54%3.72%3.65%3.18%3.16%-38 bps
Efficiency Ratio53.75%51.41%50.46%58.51%61.19%+744 bps
Non-Interest Burden1.74%1.75%1.72%1.76%1.84%+10 bps
Growth
Asset Growth (YoY)6.36%6.40%4.54%-1.99%-0.43%-679 bps
Loan Growth (YoY)10.75%8.77%6.64%-0.78%0.67%-1,008 bps
Deposit Growth (YoY)10.58%11.52%11.55%2.60%1.59%-899 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.01%0.22%0.06%0.44%+18 bps
Allowance / Loans0.82%0.84%0.83%0.85%1.07%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.76%10.78%11.28%11.34%11.36%+60 bps
Equity / Assets15.55%15.51%15.91%15.97%16.00%+45 bps
Liquidity & Funding
Loans / Deposits101.52%99.01%98.26%100.25%100.60%-92 bps
Liquid Assets / Assets0.02%0.01%0.01%0.01%0.03%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a