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Bank of Juda, The

Juda, WI · Cert 15227

FDIC

Q2 2008

$39.4MAssets
$26.3MLoans
$34.0MDeposits
$5.3MEquity
Deposit mix
90%Interest-bearing $30.7M10%Noninterest $3.3MQ2 2007Q2 2008

NIM

5.60%Q2 ’066.16%Q2 ’07-2.00%Q2 ’08+7%-132%

Non-interest income vs. expense

1.87%Q2 ’061.96%Q2 ’07-0.90%Q2 ’08+1%-172%

Executive Summary

  • Earnings: ROA of 0.08%, down 103 bps year over year; NIM at -0.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 77.30% of deposits as of Q2 2008.

Financial Results

Return on Assets (quarter, annualized)

0.08%-103 bps YoY

Net Interest Margin (quarter, annualized)

-0.93%-385 bps YoY

Efficiency Ratio (quarter, annualized)

62.61%+605 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets1.11%1.09%0.99%0.59%0.08%-103 bps
Return on Equity8.47%8.10%7.25%4.29%0.61%-787 bps
Net Interest Margin2.92%3.02%2.98%2.76%-0.93%-385 bps
Efficiency Ratio56.56%56.88%59.70%75.08%62.61%+605 bps
Non-Interest Burden1.41%1.47%1.57%1.96%-1.01%-242 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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%-0.02%0.02%0.00%0.03%-3 bps
Allowance / Loans1.54%1.58%1.61%1.62%1.48%-5 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 Capital19.80%20.50%20.78%21.04%11.73%-807 bps
Equity / Assets13.08%13.80%13.43%13.90%13.41%+33 bps
Liquidity & Funding
Loans / Deposits77.79%77.79%72.28%73.61%77.30%-50 bps
Liquid Assets / Assets0.51%0.52%0.51%0.25%0.25%-26 bps
CRE / Total Capitaln/an/an/an/an/an/an/a