Green Lake, WI · Cert 15148
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Green Lake, WI · Cert 15148
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.77% | 1.72% | 1.61% | 1.71% | 1.75% | 1.69% | 1.16% | -45 bps | |
| Return on Equity | 18.71% | 19.59% | 19.48% | 18.88% | 19.53% | 19.78% | 19.24% | 13.64% | -524 bps | |
| Net Interest Margin | 4.43% | 4.40% | 4.12% | 4.04% | 4.30% | 4.35% | 4.28% | 3.28% | -76 bps | |
| Efficiency Ratio | 43.86% | 43.03% | 42.46% | 42.33% | 40.95% | 40.01% | 38.92% | 50.54% | +821 bps | |
| Non-Interest Burden | 1.63% | 1.56% | 1.38% | 1.33% | 1.31% | 1.33% | 1.21% | 1.28% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | 3.61% | 21.39% | 14.51% | 11.40% | 11.29% | 3.98% | 16.71% | +220 bps | |
| Loan Growth (YoY) | 3.04% | 0.07% | 5.12% | 16.39% | 13.34% | 15.29% | 18.03% | 16.78% | +39 bps | |
| Deposit Growth (YoY) | 4.54% | 5.39% | 24.70% | 17.29% | 9.60% | 11.54% | -1.04% | 10.30% | -699 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 | 0.11% | 0.22% | 0.20% | 0.00% | 0.05% | 1.09% | 0.76% | 0.40% | +40 bps | |
| Allowance / Loans | 1.55% | 1.45% | 1.48% | 1.44% | 1.48% | 0.82% | 1.02% | 0.93% | -51 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 | 11.21% | 11.41% | 11.05% | 11.30% | 11.01% | 10.49% | 10.16% | 9.92% | -139 bps | |
| Equity / Assets | 8.92% | 8.98% | 8.04% | 9.07% | 9.17% | 9.06% | 8.54% | 8.51% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.27% | 97.18% | 84.58% | 99.31% | 105.76% | 100.44% | 100.87% | 105.15% | +584 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.02% | 0.03% | 0.02% | 0.05% | 0.03% | 0.02% | -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 |