Juda, WI · Cert 15227
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Juda, WI · Cert 15227
FDIC
Q2 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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.01% | 1.00% | 0.59% | 0.33% | -64 bps | |
| Return on Equity | 7.41% | 7.62% | 7.52% | 4.29% | 2.44% | -497 bps | |
| Net Interest Margin | 2.85% | 2.93% | 2.86% | 2.76% | 0.87% | -198 bps | |
| Efficiency Ratio | 60.71% | 59.38% | 59.47% | 75.08% | 62.61% | +190 bps | |
| Non-Interest Burden | 1.54% | 1.53% | 1.50% | 1.96% | 0.45% | -109 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.26% | -1.17% | 3.51% | 0.81% | 5.32% | +557 bps | |
| Loan Growth (YoY) | -1.26% | -1.23% | -0.95% | -3.69% | 4.49% | +575 bps | |
| Deposit Growth (YoY) | 4.85% | -2.29% | 2.92% | -0.20% | 5.16% | +31 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.00% | 0.02% | -2 bps | |
| Allowance / Loans | 1.54% | 1.58% | 1.61% | 1.62% | 1.48% | -5 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 19.80% | 20.50% | 20.78% | 21.04% | 11.73% | -807 bps | |
| Equity / Assets | 13.08% | 13.80% | 13.43% | 13.90% | 13.41% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.79% | 77.79% | 72.28% | 73.61% | 77.30% | -50 bps | |
| Liquid Assets / Assets | 0.51% | 0.52% | 0.51% | 0.25% | 0.25% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |