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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

5.08%Q2 ’055.49%Q2 ’065.48%Q2 ’07-2%-7%

Non-interest income vs. expense

1.91%Q2 ’052.02%Q2 ’062.27%Q2 ’07+8%+12%

Executive Summary

  • Earnings: ROA of -1.21%, down 331 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 60.36% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

-1.21%-331 bps YoY

Net Interest Margin (quarter, annualized)

3.54%-27 bps YoY

Efficiency Ratio (quarter, annualized)

51.77%+401 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets2.10%0.89%-3.33%1.73%-1.21%-331 bps
Return on Equity12.89%5.77%-20.19%9.34%-6.58%-1,947 bps
Net Interest Margin3.81%3.72%-8.44%3.86%3.54%-27 bps
Efficiency Ratio47.76%77.22%55.19%47.63%51.77%+401 bps
Non-Interest Burden1.60%2.77%-4.60%1.77%1.79%+20 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 / Loans-0.03%-0.27%-0.58%-0.18%0.09%+12 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