Reedsburg, WI · Cert 12799
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.79% | 0.92% | 1.13% | 1.23% | 1.21% | 0.90% | 0.29% | -84 bps | |
| Return on Equity | 6.59% | 4.96% | 6.00% | 7.42% | 7.94% | 7.68% | 5.62% | 1.83% | -558 bps | |
| Net Interest Margin | 3.46% | 3.23% | 3.39% | 3.54% | 3.72% | 3.65% | 3.18% | 3.16% | -38 bps | |
| Efficiency Ratio | 57.91% | 64.64% | 59.42% | 53.75% | 51.41% | 50.46% | 58.51% | 61.19% | +744 bps | |
| Non-Interest Burden | 1.88% | 2.02% | 1.94% | 1.74% | 1.75% | 1.72% | 1.76% | 1.84% | +10 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 | -0.33% | 0.03% | 0.00% | 0.26% | 0.01% | 0.22% | 0.06% | 0.44% | +18 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 |