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Hartford Savings Bank

Hartford, WI · Cert 28531

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hartford Savings Bank

Hartford, WI · Cert 28531

FDIC

Q4 2013

$175.4MAssets
$122.7MLoans
$154.3MDeposits
$18.9MEquity
Deposit mix
94%Interest-bearing $144.4M6%Noninterest $9.9MQ4 2012Q4 2013

NIM

4.32%Q4 ’114.01%Q4 ’123.64%Q4 ’13+4%-5%

Non-interest income vs. expense

2.93%Q4 ’113.05%Q4 ’123.19%Q4 ’13+2%+5%

Executive Summary

  • Earnings: ROA of 0.22%, up 89 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.18%.
  • Funding: loans stand at 79.51% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

0.22%+89 bps YoY

Net Interest Margin (YTD, annualized)

3.26%-17 bps YoY

Efficiency Ratio (YTD, annualized)

85.48%+817 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.66%0.10%0.25%0.22%0.22%+89 bps
Return on Equity-6.63%0.98%2.41%2.14%2.13%+875 bps
Net Interest Margin3.43%2.94%3.30%3.26%3.26%-17 bps
Efficiency Ratio77.31%83.19%81.81%84.53%85.48%+817 bps
Non-Interest Burden2.63%2.41%2.68%2.74%2.77%+14 bps
Growth
Asset Growth (YoY)-7.78%-8.71%-9.94%-8.66%-6.15%+163 bps
Loan Growth (YoY)-10.75%-9.05%-8.74%-7.34%-1.97%+878 bps
Deposit Growth (YoY)-8.31%-9.25%-10.41%-9.41%-6.92%+139 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.30%1.29%0.77%1.36%1.18%-12 bps
Allowance / Loans3.39%3.27%3.33%2.79%2.58%-81 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.61%17.35%17.63%17.94%18.08%+147 bps
Equity / Assets10.03%10.54%10.59%10.82%10.80%+77 bps
Liquidity & Funding
Loans / Deposits75.50%78.28%79.49%79.97%79.51%+402 bps
Liquid Assets / Assets0.93%0.31%0.37%0.21%0.32%-61 bps
CRE / Total Capitaln/an/an/an/an/an/an/a