PackageTrendsPeer
Letter portraitLegal landscape

First Bank and Trust

Menomonie, WI · Cert 15911

FDIC

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bank and Trust

Menomonie, WI · Cert 15911

FDIC

Q4 2007

$124.4MAssets
$74.4MLoans
$95.4MDeposits
$11.3MEquity
Loan mix
80%RE $50.4M19%C&I $12.2M0%Consumer $0.2MQ4 2006Q4 2007
Deposit mix
89%Interest-bearing $85.0M11%Noninterest $10.4MQ4 2006Q4 2007

NIM

4.93%Q4 ’055.54%Q4 ’066.20%Q4 ’07-1%+4%

Non-interest income vs. expense

2.41%Q4 ’052.44%Q4 ’062.43%Q4 ’07+7%+0%

Executive Summary

  • Earnings: ROA of 0.80%, up 1 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 77.96% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

0.80%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+13 bps YoY

Efficiency Ratio (YTD, annualized)

66.86%-236 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.79%0.77%0.78%0.76%0.80%+1 bps
Return on Equity9.19%9.09%9.28%9.18%9.48%+30 bps
Net Interest Margin3.01%2.98%3.01%2.86%3.14%+13 bps
Efficiency Ratio69.21%69.12%68.53%68.30%66.86%-236 bps
Non-Interest Burden1.93%1.92%1.91%1.82%1.94%+1 bps
Growth
Asset Growth (YoY)5.06%11.45%12.22%20.90%3.83%-123 bps
Loan Growth (YoY)3.80%4.12%7.65%6.07%9.73%+593 bps
Deposit Growth (YoY)6.60%7.26%7.55%11.44%-7.13%-1,372 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.13%+13 bps
Allowance / Loans1.34%1.35%1.26%1.25%1.10%-24 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 Capital14.64%15.34%14.99%14.94%15.53%+89 bps
Equity / Assets8.28%8.57%8.38%7.90%9.07%+78 bps
Liquidity & Funding
Loans / Deposits65.98%67.61%71.84%67.66%77.96%+1,198 bps
Liquid Assets / Assets0.45%2.14%0.43%0.32%0.11%-34 bps
CRE / Total Capitaln/an/an/an/an/an/an/a