Spring Valley, WI · Cert 15156
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.24% | 0.03% | 2.00% | 2.10% | 0.89% | -3.33% | 1.73% | -1.21% | -331 bps | |
| Return on Equity | 13.21% | 0.18% | 12.39% | 12.89% | 5.77% | -20.19% | 9.34% | -6.58% | -1,947 bps | |
| Net Interest Margin | 3.89% | 3.66% | 3.74% | 3.81% | 3.72% | -8.44% | 3.86% | 3.54% | -27 bps | |
| Efficiency Ratio | 45.44% | 95.96% | 50.09% | 47.76% | 77.22% | 55.19% | 47.63% | 51.77% | +401 bps | |
| Non-Interest Burden | 1.52% | 3.49% | 1.65% | 1.60% | 2.77% | -4.60% | 1.77% | 1.79% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.88% | 0.13% | 1.51% | 0.94% | -1.28% | 2.86% | 0.71% | 0.80% | -14 bps | |
| Loan Growth (YoY) | 5.66% | 6.95% | 4.97% | 9.69% | 6.26% | 8.12% | 5.05% | -3.14% | -1,283 bps | |
| Deposit Growth (YoY) | 0.19% | 1.78% | 3.10% | 2.41% | 0.70% | 0.04% | -2.44% | -1.51% | -392 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 | 0.00% | 0.13% | 0.95% | -0.03% | -0.27% | -0.58% | -0.18% | 0.09% | +12 bps | |
| Allowance / Loans | 1.79% | 1.78% | 1.55% | 1.45% | 1.56% | 1.55% | 1.64% | 1.60% | +15 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 | 30.92% | 30.91% | 31.75% | 30.44% | 28.21% | 19.70% | 20.24% | 19.13% | -1,131 bps | |
| Equity / Assets | 16.51% | 15.92% | 16.34% | 16.23% | 14.77% | 18.17% | 18.85% | 18.03% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.95% | 54.88% | 56.03% | 61.37% | 57.98% | 59.31% | 60.33% | 60.36% | -102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |