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Letter portraitLegal landscapeQuarterYTD

Bank of Spring Valley, The

Spring Valley, WI · Cert 15156

FDIC

Q2 2007

$53.3MAssets
$26.3MLoans
$43.5MDeposits
$9.6MEquity
Loan mix
63%RE $9.0M37%C&I $5.3M1%Consumer $0.1MQ2 2006Q2 2007
Deposit mix
86%Interest-bearing $37.6M14%Noninterest $5.9MQ2 2006Q2 2007

NIM

5.05%Q2 ’055.47%Q2 ’065.52%Q2 ’07-2%-8%

Non-interest income vs. expense

1.98%Q2 ’052.07%Q2 ’062.17%Q2 ’07+8%+3%

Executive Summary

  • Earnings: ROA of 0.27%, down 178 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 60.36% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.27%-178 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-30 bps YoY

Efficiency Ratio (YTD, annualized)

49.72%+79 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets2.05%1.66%0.39%1.73%0.27%-178 bps
Return on Equity12.67%10.50%2.41%9.34%1.47%-1,119 bps
Net Interest Margin3.80%3.78%0.87%3.86%3.50%-30 bps
Efficiency Ratio48.93%58.29%55.19%47.63%49.72%+79 bps
Non-Interest Burden1.64%2.01%0.44%1.77%1.69%+5 bps
Growth
Asset Growth (YoY)0.94%-1.28%2.86%0.71%0.80%-14 bps
Loan Growth (YoY)9.69%6.26%8.12%5.05%-3.14%-1,283 bps
Deposit Growth (YoY)2.41%0.70%0.04%-2.44%-1.51%-392 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.42%0.20%0.00%-0.18%-0.05%-47 bps
Allowance / Loans1.45%1.56%1.55%1.64%1.60%+15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital30.44%28.21%19.70%20.24%19.13%-1,131 bps
Equity / Assets16.23%14.77%18.17%18.85%18.03%+180 bps
Liquidity & Funding
Loans / Deposits61.37%57.98%59.31%60.33%60.36%-102 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a