Cassville, WI · Cert 13272
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -3.01% | -5.46% | -4.40% | -4.04% | -2.17% | -2.51% | -1.73% | +266 bps | |
| Return on Equity | -3.28% | -42.66% | -86.97% | -76.30% | -123.34% | -69.09% | -88.35% | -64.01% | +1,228 bps | |
| Net Interest Margin | 2.14% | 2.27% | 2.34% | 2.40% | 2.48% | 2.36% | 2.56% | 2.63% | +23 bps | |
| Efficiency Ratio | 107.63% | 151.88% | 176.80% | 148.33% | 141.30% | 131.82% | 113.11% | 104.38% | -4,395 bps | |
| Non-Interest Burden | 2.32% | 3.51% | 4.07% | 3.56% | 3.56% | 2.90% | 2.82% | 2.73% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.15% | -8.22% | -10.60% | -9.46% | -8.55% | -4.42% | -10.11% | -11.61% | -214 bps | |
| Loan Growth (YoY) | -5.74% | -7.40% | -11.76% | -10.74% | -12.39% | -13.75% | -13.11% | -16.88% | -614 bps | |
| Deposit Growth (YoY) | -3.89% | -2.26% | -2.13% | -0.90% | -1.21% | 0.34% | -5.39% | -7.20% | -630 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 | 0.05% | 0.22% | 3.54% | 2.75% | 1.67% | 2.64% | 3.53% | 2.71% | -4 bps | |
| Allowance / Loans | 1.43% | 2.55% | 2.79% | 3.44% | 3.59% | 2.98% | 3.69% | 3.95% | +52 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 | 11.01% | 9.13% | 6.11% | 5.83% | 5.17% | 5.16% | 3.76% | 4.18% | -165 bps | |
| Equity / Assets | 7.52% | 6.25% | 3.80% | 3.55% | 2.99% | 2.86% | 1.87% | 2.11% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.86% | 89.16% | 85.24% | 83.14% | 82.34% | 76.63% | 78.28% | 74.48% | -867 bps | |
| Liquid Assets / Assets | 14.15% | 15.25% | 16.13% | 14.64% | 17.12% | 18.07% | 18.28% | 17.76% | +313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |