Cedarburg, WI · Cert 22017
FDIC
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.22% | 1.37% | 1.26% | 1.24% | 1.15% | 0.31% | 0.59% | -67 bps | |
| Return on Equity | 17.58% | 17.10% | 18.71% | 17.17% | 16.52% | 15.40% | 2.05% | 3.34% | -1,383 bps | |
| Net Interest Margin | 3.44% | 3.43% | 3.59% | 3.42% | 3.35% | 3.34% | 1.09% | 1.78% | -164 bps | |
| Efficiency Ratio | 55.45% | 56.21% | 52.15% | 54.98% | 55.89% | 58.06% | 50.29% | 53.59% | -139 bps | |
| Non-Interest Burden | 1.53% | 1.56% | 1.48% | 1.51% | 1.50% | 1.60% | 0.43% | 0.90% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.15% | 2.18% | 2.72% | 3.00% | 1.30% | 5.96% | 20.47% | 20.04% | +1,704 bps | |
| Loan Growth (YoY) | 4.73% | 2.96% | 4.99% | 2.25% | 1.88% | -0.04% | 0.11% | -0.57% | -282 bps | |
| Deposit Growth (YoY) | 2.72% | -0.48% | -0.91% | 0.85% | -0.93% | 5.80% | 5.38% | 0.45% | -40 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 | 0.02% | 0.03% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.39% | 1.41% | 1.44% | 1.41% | 1.11% | 1.14% | -27 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 | 10.57% | 10.65% | 10.72% | 11.10% | 11.42% | 11.33% | 10.27% | 10.69% | -40 bps | |
| Equity / Assets | 7.25% | 7.18% | 7.41% | 7.47% | 7.86% | 7.40% | 22.15% | 22.46% | +1,499 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.35% | 91.14% | 94.07% | 93.88% | 94.96% | 86.11% | 89.36% | 92.92% | -95 bps | |
| Liquid Assets / Assets | 0.02% | 0.42% | 0.00% | 0.00% | 0.00% | 1.57% | 0.00% | 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 |