PackageTrendsPeer
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Community Bank of Central Wisconsin

Colby, WI · Cert 13664

FDIC

Q4 2012

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 2012, the quarter ended December 31, 2012, 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

Community Bank of Central Wisconsin

Colby, WI · Cert 13664

FDIC

Q4 2012

$92.0MAssets
$46.8MLoans
$76.4MDeposits
$4.2MEquity
Loan mix
94%RE $32.6M3%C&I $1.2M2%Consumer $0.9MQ4 2011Q4 2012
Deposit mix
87%Interest-bearing $66.5M13%Noninterest $9.9MQ4 2011Q4 2012

NIM

4.80%Q4 ’104.01%Q4 ’113.47%Q4 ’12-11%-11%

Non-interest income vs. expense

2.93%Q4 ’103.95%Q4 ’114.52%Q4 ’12+45%+20%

Executive Summary

  • Earnings: ROA of -0.88%, up 226 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.42%.
  • Funding: loans stand at 61.23% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.88%+226 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-35 bps YoY

Efficiency Ratio (YTD, annualized)

115.53%+2,397 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-3.14%-0.01%-0.27%-0.57%-0.88%+226 bps
Return on Equity-55.46%-0.16%-5.20%-11.12%-17.63%+3,782 bps
Net Interest Margin3.22%2.87%2.89%2.90%2.87%-35 bps
Efficiency Ratio91.56%93.71%100.83%107.11%115.53%+2,397 bps
Non-Interest Burden2.96%2.74%3.02%3.27%3.56%+60 bps
Growth
Asset Growth (YoY)-17.17%-6.77%-10.13%-7.88%-6.44%+1,074 bps
Loan Growth (YoY)-23.73%-20.90%-19.18%-19.08%-19.98%+375 bps
Deposit Growth (YoY)-11.58%0.35%-4.37%-2.38%-7.38%+419 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.84%1.19%0.87%0.84%1.42%-441 bps
Allowance / Loans5.58%5.55%5.72%5.84%5.67%+10 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 Capital7.56%7.74%7.81%7.67%7.38%-18 bps
Equity / Assets5.05%5.11%5.26%5.06%4.52%-52 bps
Liquidity & Funding
Loans / Deposits70.87%69.74%70.30%68.56%61.23%-964 bps
Liquid Assets / Assets13.68%20.84%16.35%22.88%25.75%+1,207 bps
CRE / Total Capitaln/an/an/an/an/an/an/a