Verona, WI · Cert 15134
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Verona, WI · Cert 15134
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.84% | 0.79% | 0.72% | 0.69% | 0.38% | 0.42% | 0.49% | -24 bps | |
| Return on Equity | 5.90% | 7.41% | 6.83% | 6.28% | 6.03% | 3.32% | 3.69% | 4.24% | -204 bps | |
| Net Interest Margin | 3.39% | 3.38% | 3.39% | 3.29% | 3.26% | 3.04% | 2.97% | 3.00% | -28 bps | |
| Efficiency Ratio | 80.10% | 73.49% | 73.95% | 75.74% | 74.69% | 86.29% | 84.62% | 82.02% | +628 bps | |
| Non-Interest Burden | 2.58% | 2.23% | 2.30% | 2.31% | 2.26% | 2.54% | 2.41% | 2.34% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.18% | 7.70% | 7.21% | 7.55% | -0.74% | 1.87% | 5.58% | 0.24% | -731 bps | |
| Loan Growth (YoY) | 20.36% | 23.27% | 6.01% | -2.24% | -0.65% | 1.04% | 6.39% | 0.61% | +285 bps | |
| Deposit Growth (YoY) | 0.75% | -0.30% | -0.24% | 4.53% | -2.38% | -1.11% | 5.59% | -0.57% | -510 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 | 0.34% | 0.23% | 0.12% | -0.24% | -0.02% | 1.19% | 0.54% | 0.37% | +60 bps | |
| Allowance / Loans | 0.56% | 0.54% | 0.59% | 0.88% | 0.99% | 0.72% | 0.75% | 0.84% | -4 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 | 16.43% | 16.70% | 17.48% | 17.96% | 17.60% | 17.31% | 16.67% | 18.23% | +27 bps | |
| Equity / Assets | 11.19% | 11.54% | 11.94% | 11.51% | 11.48% | 11.52% | 11.25% | 11.66% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.01% | 87.12% | 86.60% | 81.26% | 84.49% | 89.02% | 87.25% | 82.23% | +96 bps | |
| Liquid Assets / Assets | 0.04% | 0.16% | 0.09% | 0.71% | 0.97% | 0.71% | 0.69% | 0.25% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |