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

Deposit mix

Executive Summary

Earnings: ROA of 0.40%, down 149 bps year over year; NIM at 2.66%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
Funding: loans stand at 69.06% of deposits as of Q2 2002.

Return on Assets (quarter, annualized)

0.40%-149 bps YoY

Net Interest Margin (quarter, annualized)

2.66%-100 bps YoY

Efficiency Ratio (quarter, annualized)

81.98%+2,220 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

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%	1.89%	1.68%	1.69%	0.82%	0.40%	-149 bps
Return on Equity	n/a	n/a	n/a	23.30%	19.44%	19.85%	6.27%	2.15%	-2,115 bps
Net Interest Margin	n/a	n/a	3.49%	3.66%	3.47%	3.58%	2.32%	2.66%	-100 bps
Efficiency Ratio	n/a	n/a	64.96%	59.78%	61.97%	65.78%	54.75%	81.98%	+2,220 bps
Non-Interest Burden	n/a	n/a	1.90%	1.66%	1.74%	1.87%	1.02%	2.14%	+47 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%	0.00%	0.06%	-0.01%	0.04%	-0.04%	-4 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