Baraboo, WI · Cert 14064
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Baraboo, WI · Cert 14064
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.67% | 1.45% | 1.67% | 1.67% | 1.68% | 0.82% | 0.61% | -106 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 6.27% | 4.08% | n/a | |
| Net Interest Margin | n/a | n/a | 3.49% | 3.62% | 3.48% | 3.58% | 2.32% | 2.50% | -112 bps | |
| Efficiency Ratio | n/a | n/a | 64.96% | 62.29% | 62.18% | 63.12% | 54.75% | 68.86% | +657 bps | |
| Non-Interest Burden | n/a | n/a | 1.90% | 1.81% | 1.74% | 1.81% | 1.02% | 1.58% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.31% | 7.60% | 0.27% | -3.23% | 0.23% | -4.05% | -5.73% | -8.32% | -510 bps | |
| Loan Growth (YoY) | 12.30% | 11.03% | 8.29% | 1.87% | -3.41% | -9.80% | -12.42% | -19.21% | -2,108 bps | |
| Deposit Growth (YoY) | 4.20% | 4.19% | 0.02% | 2.32% | 1.84% | 2.08% | 0.30% | -7.29% | -961 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 | n/a | n/a | 0.04% | 0.02% | 0.03% | 0.02% | 0.04% | 0.00% | -1 bps | |
| Allowance / Loans | n/a | n/a | 1.31% | 1.38% | 1.42% | 1.50% | 2.23% | 2.50% | +112 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 | n/a | n/a | 13.10% | 15.32% | 15.73% | 15.13% | 15.65% | 17.51% | +219 bps | |
| Equity / Assets | n/a | n/a | 7.85% | 8.42% | 8.88% | 8.13% | 18.10% | 19.31% | +1,090 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.48% | 82.42% | 83.04% | 79.25% | 74.43% | 72.83% | 72.52% | 69.06% | -1,019 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |