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Ledger Bank, S.S.B.

Glendale, WI · Cert 29503

FDIC

Q3 2001

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: Q3 2001, the quarter ended September 30, 2001, 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

Ledger Bank, S.S.B.

Glendale, WI · Cert 29503

FDIC

Q3 2001

$494.9MAssets
$338.5MLoans
$312.3MDeposits
$37.7MEquity
Loan mix
89%RE $207.4M10%C&I $22.9M1%Consumer $2.0MQ4 1999Q3 2001
Deposit mix
96%Interest-bearing $300.7M4%Noninterest $11.6MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.49%, down 1 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 108.38% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.49%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.37%

Efficiency Ratio (YTD, annualized)

68.59%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.77%Q1 ’017.60%Q2 ’017.42%Q3 ’01+1%+0%

Non-interest income vs. expense

1.98%Q1 ’012.08%Q2 ’011.98%Q3 ’01+4%-6%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.68%0.47%0.52%0.50%0.55%0.46%0.46%0.49%-1 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a2.34%2.37%2.37%n/a
Efficiency Ration/an/an/an/an/a70.26%72.18%68.59%n/a
Non-Interest Burdenn/an/an/an/an/a1.50%1.56%1.46%n/a
Growth
Asset Growth (YoY)7.49%7.81%10.74%-1.41%-2.23%-1.81%-2.41%-3.76%-235 bps
Loan Growth (YoY)26.77%34.22%36.73%15.34%4.37%-4.79%-8.45%-12.84%-2,818 bps
Deposit Growth (YoY)4.06%7.27%19.03%4.84%0.34%-4.48%-7.04%-8.79%-1,364 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.04%0.03%0.03%n/a
Allowance / Loansn/an/an/an/an/a0.89%0.94%1.10%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a11.43%11.58%12.04%n/a
Equity / Assetsn/an/an/an/an/a7.20%7.29%7.61%n/a
Liquidity & Funding
Loans / Deposits112.22%115.13%111.57%113.42%116.73%114.76%109.88%108.38%-503 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%5.16%2.65%6.32%+632 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a