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Letter portraitLegal landscapeQuarterYTD

First National Bank and Trust Company of Baraboo, The

Baraboo, WI · Cert 14064

FDIC

Q2 2002

$96.2MAssets
$52.8MLoans
$76.4MDeposits
$18.6MEquity
Loan mix
92%RE $35.7M8%C&I $3.0M0%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
85%Interest-bearing $64.9M15%Noninterest $11.5MQ2 2001Q2 2002

NIM

7.41%Q1 ’017.42%Q2 ’013.80%Q2 ’02+4%-31%

Non-interest income vs. expense

2.94%Q1 ’012.99%Q2 ’012.18%Q2 ’02-5%-13%

Executive Summary

  • Earnings: ROA of 0.61%, down 106 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 69.06% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.61%-106 bps YoY

Net Interest Margin (YTD, annualized)

2.50%-112 bps YoY

Efficiency Ratio (YTD, annualized)

68.86%+657 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.67%1.67%1.68%0.82%0.61%-106 bps
Return on Equityn/an/an/a6.27%4.08%n/a
Net Interest Margin3.62%3.48%3.58%2.32%2.50%-112 bps
Efficiency Ratio62.29%62.18%63.12%54.75%68.86%+657 bps
Non-Interest Burden1.81%1.74%1.81%1.02%1.58%-23 bps
Growth
Asset Growth (YoY)-3.23%0.23%-4.05%-5.73%-8.32%-510 bps
Loan Growth (YoY)1.87%-3.41%-9.80%-12.42%-19.21%-2,108 bps
Deposit Growth (YoY)2.32%1.84%2.08%0.30%-7.29%-961 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.04%0.00%-1 bps
Allowance / Loans1.38%1.42%1.50%2.23%2.50%+112 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 Capital15.32%15.73%15.13%15.65%17.51%+219 bps
Equity / Assets8.42%8.88%8.13%18.10%19.31%+1,090 bps
Liquidity & Funding
Loans / Deposits79.25%74.43%72.83%72.52%69.06%-1,019 bps
Liquid Assets / Assets0.00%0.00%0.01%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a