Franklin, WI · Cert 24120
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 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.
Franklin, WI · Cert 24120
FDIC
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.96% | 0.92% | 0.73% | 0.80% | 0.86% | 0.89% | 0.71% | -2 bps | |
| Return on Equity | 10.16% | 10.24% | 9.81% | 7.82% | 8.73% | 9.35% | 9.67% | 7.66% | -16 bps | |
| Net Interest Margin | 4.40% | 4.48% | 4.46% | 4.08% | 4.03% | 3.98% | 3.94% | 3.86% | -23 bps | |
| Efficiency Ratio | 68.36% | 68.21% | 69.25% | 74.04% | 71.25% | 69.55% | 68.52% | 73.00% | -103 bps | |
| Non-Interest Burden | 2.78% | 2.82% | 2.87% | 2.88% | 2.71% | 2.58% | 2.50% | 2.68% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.53% | -2.62% | -2.84% | 0.95% | 1.12% | 2.71% | 4.51% | 1.59% | +64 bps | |
| Loan Growth (YoY) | -1.86% | -3.49% | -4.91% | 0.02% | 0.01% | 5.14% | 9.07% | 2.29% | +227 bps | |
| Deposit Growth (YoY) | -0.91% | -3.90% | -0.27% | -3.09% | -4.71% | 1.54% | 6.30% | 10.73% | +1,382 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 | 0.06% | 0.04% | 0.03% | 0.00% | 0.07% | 0.06% | 0.09% | -0.18% | -18 bps | |
| Allowance / Loans | 1.29% | 1.37% | 1.39% | 1.37% | 1.29% | 1.27% | 1.18% | 1.29% | -8 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 | 11.44% | 11.76% | 11.72% | 11.63% | 11.19% | 11.61% | 11.32% | 12.04% | +41 bps | |
| Equity / Assets | 9.19% | 9.55% | 9.37% | 9.28% | 8.94% | 9.33% | 9.11% | 9.46% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.44% | 105.39% | 102.73% | 109.96% | 110.66% | 109.13% | 105.41% | 101.59% | -837 bps | |
| Liquid Assets / Assets | 0.06% | 0.02% | 0.03% | 0.01% | 0.05% | 0.03% | 0.01% | 0.01% | 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 |