Osceola, WI · Cert 15275
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Osceola, WI · Cert 15275
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.40% | 1.49% | 1.47% | 1.35% | 1.40% | 1.34% | 1.35% | -12 bps | |
| Return on Equity | 13.01% | 16.98% | 17.81% | 17.62% | 16.25% | 16.80% | 16.16% | 16.13% | -149 bps | |
| Net Interest Margin | 4.28% | 4.24% | 4.22% | 4.24% | 4.29% | 4.25% | 4.07% | 4.03% | -21 bps | |
| Efficiency Ratio | 63.97% | 56.80% | 55.32% | 55.11% | 55.17% | 54.05% | 55.21% | 55.15% | +4 bps | |
| Non-Interest Burden | 2.28% | 1.79% | 1.74% | 1.79% | 1.86% | 1.79% | 1.78% | 1.74% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.20% | 23.92% | 19.00% | 20.76% | 21.69% | 15.21% | 19.19% | 13.37% | -739 bps | |
| Loan Growth (YoY) | 22.82% | 27.30% | 20.43% | 23.32% | 23.40% | 17.08% | 18.67% | 12.62% | -1,070 bps | |
| Deposit Growth (YoY) | 15.16% | 19.65% | 16.19% | 18.27% | 17.09% | 10.54% | 14.97% | 12.30% | -597 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 | 0.04% | 0.02% | 0.02% | 0.03% | 0.03% | 0.01% | 0.07% | 0.06% | +3 bps | |
| Allowance / Loans | 1.42% | 1.35% | 1.40% | 1.36% | 1.39% | 1.38% | 1.37% | 1.41% | +4 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 | 10.12% | 10.12% | 10.42% | 10.13% | 10.24% | 10.08% | 10.17% | 10.36% | +23 bps | |
| Equity / Assets | 8.32% | 8.27% | 8.61% | 8.28% | 8.39% | 8.27% | 8.30% | 8.49% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.54% | 107.72% | 108.31% | 111.95% | 108.08% | 114.10% | 111.79% | 112.26% | +32 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 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 |