Bangor, WI · Cert 13861
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Bangor, WI · Cert 13861
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.07% | 1.10% | 1.08% | 1.02% | 1.17% | 1.11% | 0.94% | -14 bps | |
| Return on Equity | 11.89% | 8.51% | 8.82% | 8.70% | 8.27% | 9.63% | 9.05% | 7.69% | -100 bps | |
| Net Interest Margin | 4.01% | 3.87% | 3.87% | 3.91% | 3.90% | 4.13% | 4.11% | 4.18% | +27 bps | |
| Efficiency Ratio | 51.36% | 59.97% | 57.69% | 58.32% | 60.02% | 55.35% | 56.10% | 54.33% | -399 bps | |
| Non-Interest Burden | 1.93% | 2.23% | 2.13% | 2.18% | 2.24% | 2.16% | 2.19% | 2.14% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | 2.58% | 3.15% | 1.83% | 1.57% | 2.23% | 1.43% | 3.79% | +196 bps | |
| Loan Growth (YoY) | 4.19% | 1.65% | 4.33% | 6.67% | 11.00% | 15.47% | 11.30% | 9.60% | +293 bps | |
| Deposit Growth (YoY) | 3.85% | 1.52% | 3.89% | 2.21% | 1.82% | 2.09% | -0.97% | 0.90% | -131 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 | 0.17% | 1.25% | 0.58% | 0.70% | 0.55% | 0.35% | 0.23% | 0.44% | -25 bps | |
| Allowance / Loans | 1.24% | 1.03% | 1.11% | 0.95% | 0.99% | 1.00% | 1.10% | 1.39% | +44 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 | 19.77% | 20.69% | 20.12% | 18.09% | 18.56% | 18.97% | 18.86% | 18.81% | +72 bps | |
| Equity / Assets | 12.43% | 12.78% | 12.31% | 12.27% | 12.18% | 12.22% | 12.34% | 12.06% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.24% | 70.75% | 72.37% | 75.36% | 77.66% | 80.02% | 81.34% | 81.87% | +651 bps | |
| Liquid Assets / Assets | 0.48% | 0.48% | 0.48% | 0.48% | 0.48% | 0.48% | 0.47% | 0.47% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |