Green Lake, WI · Cert 15148
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.91% | 1.64% | 1.61% | 1.83% | 1.83% | 1.56% | 1.16% | -45 bps | |
| Return on Equity | 19.59% | 21.39% | 19.39% | 18.88% | 20.08% | 20.10% | 17.78% | 13.64% | -524 bps | |
| Net Interest Margin | 4.45% | 4.59% | 4.18% | 4.04% | 4.43% | 4.79% | 4.24% | 3.28% | -76 bps | |
| Efficiency Ratio | 44.19% | 41.51% | 40.90% | 42.33% | 39.68% | 38.30% | 35.82% | 50.54% | +821 bps | |
| Non-Interest Burden | 1.64% | 1.50% | 1.15% | 1.33% | 1.24% | 1.49% | 0.88% | 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 | 0.12% | 0.42% | 0.16% | 0.00% | 0.10% | 3.15% | 0.00% | 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 |