Ridgeland, WI · Cert 2484
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | -1.75% | -4.60% | -2.19% | -2.18% | -5.83% | -1.66% | -1.26% | +94 bps | |
| Return on Equity | 22.41% | -8.57% | -14.54% | -9.73% | -13.92% | -49.07% | -16.16% | -12.71% | -298 bps | |
| Net Interest Margin | 3.18% | 4.36% | 3.55% | 2.71% | 3.17% | 2.36% | 2.72% | 2.57% | -14 bps | |
| Efficiency Ratio | 53.38% | 252% | 252% | 176.68% | 125.91% | 169.32% | 150.36% | 138.27% | -3,841 bps | |
| Non-Interest Burden | 1.53% | 11.37% | 9.37% | 5.37% | 4.27% | 4.50% | 4.33% | 3.73% | -164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | -23.72% | 12.46% | 40.14% | 102.81% | 209% | 169.14% | 141.77% | +10,164 bps | |
| Loan Growth (YoY) | 7.26% | -6.53% | 16.12% | 35.20% | 100.26% | 156.06% | 146.14% | 148.04% | +11,284 bps | |
| Deposit Growth (YoY) | 2.44% | -49.86% | -37.35% | 8.42% | 53.21% | 235% | 322% | 176.03% | +16,761 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 | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 9.27% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.03% | 1.03% | 1.10% | 1.42% | 1.28% | 1.38% | 1.40% | +30 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 | 12.67% | 37.44% | 29.39% | 21.80% | 15.41% | 12.43% | 11.79% | 12.65% | -914 bps | |
| Equity / Assets | 6.93% | 39.21% | 26.37% | 19.65% | 12.96% | 10.90% | 9.73% | 10.04% | -961 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.32% | 151.54% | 158.85% | 105.65% | 107.61% | 115.91% | 92.63% | 94.93% | -1,071 bps | |
| Liquid Assets / Assets | 10.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |