New Richmond, WI · Cert 14800
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
New Richmond, WI · Cert 14800
FDIC
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.05% | 1.14% | 1.13% | 1.23% | -13 bps | |
| Return on Equity | 12.07% | 8.92% | 9.62% | 9.36% | 10.22% | -185 bps | |
| Net Interest Margin | 4.29% | 4.05% | 4.19% | 4.18% | 4.19% | -10 bps | |
| Efficiency Ratio | 68.79% | 70.47% | 68.90% | 68.82% | 65.43% | -336 bps | |
| Non-Interest Burden | 2.55% | 2.50% | 2.50% | 2.51% | 2.33% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.57% | -0.43% | -0.35% | -0.69% | 0.41% | +97 bps | |
| Loan Growth (YoY) | -1.15% | -1.52% | 2.80% | 2.20% | 3.56% | +471 bps | |
| Deposit Growth (YoY) | -0.69% | -2.53% | -1.77% | -0.55% | 0.28% | +97 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.33% | 0.10% | 0.02% | 0.14% | 0.32% | +65 bps | |
| Allowance / Loans | 1.33% | 1.29% | 1.28% | 1.19% | 0.96% | -36 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.09% | 15.24% | 15.53% | 15.59% | 14.32% | -77 bps | |
| Equity / Assets | 11.68% | 11.85% | 12.17% | 12.48% | 11.80% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.22% | 90.70% | 93.88% | 91.56% | 93.17% | +295 bps | |
| Liquid Assets / Assets | 0.04% | 0.03% | 0.03% | 0.03% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |