Menomonie, WI · Cert 15911
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Menomonie, WI · Cert 15911
FDIC
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.84% | 0.80% | 0.79% | 0.77% | 0.78% | 0.76% | 0.80% | +1 bps | |
| Return on Equity | 9.86% | 9.77% | 9.20% | 9.19% | 9.09% | 9.28% | 9.18% | 9.48% | +30 bps | |
| Net Interest Margin | 3.25% | 3.20% | 3.05% | 3.01% | 2.98% | 3.01% | 2.86% | 3.14% | +13 bps | |
| Efficiency Ratio | 68.31% | 67.76% | 69.27% | 69.21% | 69.12% | 68.53% | 68.30% | 66.86% | -236 bps | |
| Non-Interest Burden | 2.04% | 1.98% | 1.95% | 1.93% | 1.92% | 1.91% | 1.82% | 1.94% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 6.06% | 1.73% | 5.06% | 11.45% | 12.22% | 20.90% | 3.83% | -123 bps | |
| Loan Growth (YoY) | 3.59% | 6.44% | 4.65% | 3.80% | 4.12% | 7.65% | 6.07% | 9.73% | +593 bps | |
| Deposit Growth (YoY) | 8.10% | 6.91% | 2.95% | 6.60% | 7.26% | 7.55% | 11.44% | -7.13% | -1,372 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | +13 bps | |
| Allowance / Loans | 1.41% | 1.36% | 1.33% | 1.34% | 1.35% | 1.26% | 1.25% | 1.10% | -24 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 | 15.90% | 15.41% | 15.24% | 14.64% | 15.34% | 14.99% | 14.94% | 15.53% | +89 bps | |
| Equity / Assets | 8.86% | 8.78% | 8.92% | 8.28% | 8.57% | 8.38% | 7.90% | 9.07% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.64% | 71.77% | 71.08% | 65.98% | 67.61% | 71.84% | 67.66% | 77.96% | +1,198 bps | |
| Liquid Assets / Assets | 0.80% | 0.76% | 0.45% | 0.45% | 2.14% | 0.43% | 0.32% | 0.11% | -34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |