Clintonville, WI · Cert 13052
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Clintonville, WI · Cert 13052
FDIC
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.53% | 0.55% | 0.61% | 0.51% | 0.56% | 0.64% | 0.71% | +10 bps | |
| Return on Equity | 4.82% | 5.13% | 5.47% | 6.16% | 5.49% | 5.91% | 6.77% | 7.38% | +122 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.12% | 3.12% | 3.04% | 3.06% | 3.05% | 3.02% | -9 bps | |
| Efficiency Ratio | 82.76% | 80.19% | 79.73% | 80.31% | 83.92% | 81.64% | 77.86% | 74.54% | -577 bps | |
| Non-Interest Burden | 2.59% | 2.50% | 2.45% | 2.48% | 2.57% | 2.50% | 2.34% | 2.21% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.59% | 3.12% | -0.23% | 0.97% | -1.51% | -3.54% | 0.06% | 2.13% | +117 bps | |
| Loan Growth (YoY) | 13.47% | 10.10% | 1.48% | 3.99% | 1.87% | -4.67% | 1.51% | 1.60% | -239 bps | |
| Deposit Growth (YoY) | -1.66% | 5.05% | 2.18% | -4.00% | 0.55% | -4.90% | -3.09% | -0.12% | +388 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 | 0.16% | 0.06% | 0.04% | 0.06% | 0.00% | 0.26% | 0.22% | 0.19% | +12 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.27% | 1.17% | 1.23% | 1.16% | 1.10% | 0.81% | -35 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 | 14.93% | 14.90% | 12.79% | 12.87% | 13.36% | 13.60% | 13.33% | 13.55% | +68 bps | |
| Equity / Assets | 10.55% | 10.28% | 9.08% | 9.15% | 9.59% | 9.53% | 9.76% | 10.01% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.58% | 72.51% | 71.87% | 71.51% | 72.53% | 72.68% | 75.28% | 72.74% | +123 bps | |
| Liquid Assets / Assets | 2.75% | 2.70% | 2.71% | 2.68% | 2.61% | 2.29% | 2.21% | 1.85% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |