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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

4.13%Q4 ’104.04%Q4 ’113.28%Q4 ’12+4%-19%

Non-interest income vs. expense

2.69%Q4 ’103.81%Q4 ’115.03%Q4 ’12+47%+67%

Executive Summary

  • Earnings: ROA of -1.86%, down 32 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.93%.
  • Funding: loans stand at 61.23% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

-1.86%-32 bps YoY

Net Interest Margin (quarter, annualized)

2.73%-64 bps YoY

Efficiency Ratio (quarter, annualized)

145.03%+6,384 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.54%-0.01%-0.53%-1.21%-1.86%-32 bps
Return on Equity-29.44%-0.16%-10.28%-23.35%-38.88%-943 bps
Net Interest Margin3.37%2.87%2.87%2.83%2.73%-64 bps
Efficiency Ratio81.18%93.71%107.43%119.40%145.03%+6,384 bps
Non-Interest Burden2.61%2.74%3.27%3.70%4.36%+175 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 / Loans0.94%1.19%0.50%0.69%2.93%+199 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