Viroqua, WI · Cert 14062
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.15% | 1.29% | 1.43% | 1.34% | 1.07% | 1.29% | 1.43% | 0 bps | |
| Return on Equity | 13.21% | 11.47% | 12.65% | 13.50% | 12.40% | 9.76% | 11.59% | 12.54% | -96 bps | |
| Net Interest Margin | 3.78% | 3.77% | 3.93% | 3.95% | 4.06% | 3.99% | 4.20% | 4.13% | +18 bps | |
| Efficiency Ratio | 63.43% | 68.70% | 66.38% | 66.03% | 68.11% | 73.32% | 67.16% | 67.45% | +142 bps | |
| Non-Interest Burden | 1.99% | 2.32% | 2.39% | 2.39% | 2.54% | 2.75% | 2.64% | 2.53% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.84% | 3.19% | 1.54% | -2.04% | -4.95% | -6.45% | -3.92% | -6.36% | -432 bps | |
| Loan Growth (YoY) | 3.30% | -1.59% | -4.49% | -2.88% | -6.40% | -5.49% | -5.23% | -9.00% | -612 bps | |
| Deposit Growth (YoY) | 3.22% | 4.08% | 3.20% | -1.50% | -4.65% | -6.50% | -3.52% | -6.11% | -461 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 | 0.30% | 0.23% | 0.16% | -0.05% | 0.42% | 0.34% | 0.02% | 0.00% | +5 bps | |
| Allowance / Loans | 1.36% | 1.42% | 1.48% | 1.52% | 1.52% | 1.50% | 1.60% | 1.69% | +17 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 | 12.13% | 12.25% | 12.69% | 12.44% | 13.19% | 13.27% | 13.57% | 14.26% | +182 bps | |
| Equity / Assets | 10.07% | 10.02% | 10.39% | 10.72% | 10.86% | 11.10% | 11.16% | 11.65% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.47% | 85.79% | 86.37% | 89.26% | 86.85% | 86.71% | 84.84% | 86.52% | -274 bps | |
| Liquid Assets / Assets | 2.20% | 6.55% | 8.03% | 4.21% | 4.55% | 3.71% | 1.56% | 1.17% | -304 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |