PackageTrendsPeer
Letter portraitLegal landscape

Badger State Bank

Cassville, WI · Cert 13272

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Badger State Bank

Cassville, WI · Cert 13272

FDIC

Q4 2010

$83.8MAssets
$58.5MLoans
$78.5MDeposits
$1.8MEquity
Loan mix
86%RE $27.5M14%C&I $4.6M0%Consumer $0.0MQ4 2009Q4 2010
Deposit mix
92%Interest-bearing $72.4M8%Noninterest $6.1MQ4 2009Q4 2010

NIM

6.00%Q4 ’085.33%Q4 ’095.03%Q4 ’10-3%+10%

Non-interest income vs. expense

1.86%Q4 ’083.54%Q4 ’092.26%Q4 ’10+113%-23%

Executive Summary

  • Earnings: ROA of -1.73%, up 266 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.71%.
  • Funding: loans stand at 74.48% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.73%+266 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+23 bps YoY

Efficiency Ratio (YTD, annualized)

104.38%-4,395 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-4.40%-4.04%-2.17%-2.51%-1.73%+266 bps
Return on Equity-76.30%-123.34%-69.09%-88.35%-64.01%+1,228 bps
Net Interest Margin2.40%2.48%2.36%2.56%2.63%+23 bps
Efficiency Ratio148.33%141.30%131.82%113.11%104.38%-4,395 bps
Non-Interest Burden3.56%3.56%2.90%2.82%2.73%-83 bps
Growth
Asset Growth (YoY)-9.46%-8.55%-4.42%-10.11%-11.61%-214 bps
Loan Growth (YoY)-10.74%-12.39%-13.75%-13.11%-16.88%-614 bps
Deposit Growth (YoY)-0.90%-1.21%0.34%-5.39%-7.20%-630 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.75%1.67%2.64%3.53%2.71%-4 bps
Allowance / Loans3.44%3.59%2.98%3.69%3.95%+52 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 Capital5.83%5.17%5.16%3.76%4.18%-165 bps
Equity / Assets3.55%2.99%2.86%1.87%2.11%-144 bps
Liquidity & Funding
Loans / Deposits83.14%82.34%76.63%78.28%74.48%-867 bps
Liquid Assets / Assets14.64%17.12%18.07%18.28%17.76%+313 bps
CRE / Total Capitaln/an/an/an/an/an/an/a