Balsam Lake, WI · Cert 15250
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Balsam Lake, WI · Cert 15250
FDIC
Q2 2001
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.25% | 1.16% | 1.12% | 1.04% | 1.10% | 1.00% | 1.13% | +1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.85% | 3.96% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 68.64% | 66.57% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.37% | 2.33% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | 1.99% | 5.66% | 7.84% | 13.77% | 11.89% | 9.92% | 4.30% | -354 bps | |
| Loan Growth (YoY) | 5.46% | 12.90% | 13.59% | 16.28% | 21.36% | 16.28% | 17.93% | 11.75% | -452 bps | |
| Deposit Growth (YoY) | -0.43% | -1.54% | 4.64% | 5.46% | 4.14% | 4.26% | 2.69% | -2.01% | -747 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 | n/a | n/a | n/a | n/a | n/a | n/a | -0.02% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.88% | 1.94% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 14.53% | 13.44% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 8.89% | 9.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.60% | 83.73% | 80.64% | 82.87% | 92.76% | 93.38% | 92.60% | 94.50% | +1,164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |