Franklin, WI · Cert 24120
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.97% | 0.80% | 0.73% | 0.88% | 0.97% | 0.98% | 0.71% | -2 bps | |
| Return on Equity | 10.34% | 10.41% | 8.51% | 7.82% | 9.67% | 10.62% | 10.60% | 7.66% | -16 bps | |
| Net Interest Margin | 4.47% | 4.52% | 4.38% | 4.08% | 4.06% | 4.02% | 3.98% | 3.86% | -23 bps | |
| Efficiency Ratio | 67.96% | 67.90% | 72.50% | 74.04% | 68.53% | 66.26% | 65.51% | 73.00% | -103 bps | |
| Non-Interest Burden | 2.81% | 2.83% | 3.00% | 2.88% | 2.59% | 2.43% | 2.38% | 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 | 0.01% | 0.00% | 0.00% | 0.00% | 0.14% | 0.05% | 0.18% | -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 |