PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Riverbank, The

Osceola, WI · Cert 15275

FDIC

Q4 2006

$325.0MAssets
$289.4MLoans
$257.8MDeposits
$27.6MEquity
Loan mix
54%RE $50.6M45%C&I $42.5M1%Consumer $0.8MQ4 2005Q4 2006
Deposit mix
86%Interest-bearing $222.6M14%Noninterest $35.1MQ4 2005Q4 2006

NIM

5.47%Q4 ’046.24%Q4 ’057.09%Q4 ’06+6%-5%

Non-interest income vs. expense

3.29%Q4 ’043.02%Q4 ’052.82%Q4 ’06+19%-3%

Executive Summary

  • Earnings: ROA of 1.35%, down 12 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 112.26% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

1.35%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-21 bps YoY

Efficiency Ratio (YTD, annualized)

55.15%+4 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.47%1.35%1.40%1.34%1.35%-12 bps
Return on Equity17.62%16.25%16.80%16.16%16.13%-149 bps
Net Interest Margin4.24%4.29%4.25%4.07%4.03%-21 bps
Efficiency Ratio55.11%55.17%54.05%55.21%55.15%+4 bps
Non-Interest Burden1.79%1.86%1.79%1.78%1.74%-5 bps
Growth
Asset Growth (YoY)20.76%21.69%15.21%19.19%13.37%-739 bps
Loan Growth (YoY)23.32%23.40%17.08%18.67%12.62%-1,070 bps
Deposit Growth (YoY)18.27%17.09%10.54%14.97%12.30%-597 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.03%0.01%0.07%0.06%+3 bps
Allowance / Loans1.36%1.39%1.38%1.37%1.41%+4 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 Capital10.13%10.24%10.08%10.17%10.36%+23 bps
Equity / Assets8.28%8.39%8.27%8.30%8.49%+21 bps
Liquidity & Funding
Loans / Deposits111.95%108.08%114.10%111.79%112.26%+32 bps
Liquid Assets / Assets0.01%0.01%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a