New Richmond, WI · Cert 14800
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.06% | 2.15% | 1.13% | 1.05% | 1.24% | 1.10% | 1.52% | +39 bps | |
| Return on Equity | 9.96% | 9.58% | 18.80% | 9.70% | 8.92% | 10.29% | 8.89% | 12.51% | +281 bps | |
| Net Interest Margin | 4.06% | 4.34% | 4.49% | 4.17% | 4.05% | 4.34% | 4.23% | 4.13% | -4 bps | |
| Efficiency Ratio | 70.50% | 70.79% | 65.11% | 69.00% | 70.47% | 67.44% | 68.67% | 54.91% | -1,409 bps | |
| Non-Interest Burden | 2.52% | 2.68% | 2.44% | 2.51% | 2.50% | 2.51% | 2.55% | 1.77% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 2.86% | -0.97% | -0.57% | -0.43% | -0.35% | -0.69% | 0.41% | +97 bps | |
| Loan Growth (YoY) | 5.85% | 0.28% | -1.71% | -1.15% | -1.52% | 2.80% | 2.20% | 3.56% | +471 bps | |
| Deposit Growth (YoY) | 4.67% | 2.97% | -1.31% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.07% | -1.75% | 0.33% | 0.10% | -0.06% | 0.38% | 0.85% | +52 bps | |
| Allowance / Loans | 1.41% | 1.42% | 1.41% | 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 | 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 | 13.95% | 14.62% | 15.37% | 15.09% | 15.24% | 15.53% | 15.59% | 14.32% | -77 bps | |
| Equity / Assets | 10.85% | 11.19% | 11.71% | 11.68% | 11.85% | 12.17% | 12.48% | 11.80% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.77% | 89.71% | 89.10% | 90.22% | 90.70% | 93.88% | 91.56% | 93.17% | +295 bps | |
| Liquid Assets / Assets | 0.03% | 0.05% | 0.03% | 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 | n/a | n/a | n/a |