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Milton Savings Bank

Milton, WI · Cert 30426

FDIC

Q1 2012

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: Q1 2012, the quarter ended March 31, 2012, 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

Milton Savings Bank

Milton, WI · Cert 30426

FDIC

Q1 2012

$15.1MAssets
$9.5MLoans
$13.9MDeposits
$1.2MEquity
Loan mix
84%RE $7.0M13%C&I $1.1M3%Consumer $0.3MQ1 2011Q1 2012
Deposit mix
96%Interest-bearing $13.4M4%Noninterest $0.5MQ1 2011Q1 2012

NIM

5.28%Q1 ’104.70%Q1 ’114.35%Q1 ’12-4%-4%

Non-interest income vs. expense

4.54%Q1 ’104.47%Q1 ’114.84%Q1 ’12+0%+9%

Executive Summary

  • Earnings: ROA of -0.62%, down 47 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 68.03% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.62%-47 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-17 bps YoY

Efficiency Ratio (YTD, annualized)

114.91%+1,319 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.15%-0.24%-0.28%-0.36%-0.62%-47 bps
Return on Equity-1.97%-3.13%-3.75%-4.83%-8.26%-629 bps
Net Interest Margin3.97%3.95%3.90%3.88%3.80%-17 bps
Efficiency Ratio101.71%104.27%105.60%107.76%114.91%+1,319 bps
Non-Interest Burden4.04%4.13%4.14%4.21%4.43%+38 bps
Growth
Asset Growth (YoY)-5.20%-8.90%-3.97%-3.89%-5.81%-60 bps
Loan Growth (YoY)-10.16%-9.08%-15.51%-14.20%-18.39%-823 bps
Deposit Growth (YoY)-5.47%-9.40%-4.15%-3.96%-6.09%-61 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.04%0.04%0.03%0.00%-7 bps
Allowance / Loans0.93%0.97%1.02%1.07%1.15%+22 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 Capital12.53%13.04%13.42%13.38%15.10%+257 bps
Equity / Assets7.56%7.62%7.56%7.41%7.64%+8 bps
Liquidity & Funding
Loans / Deposits78.28%76.97%74.04%70.24%68.03%-1,025 bps
Liquid Assets / Assets1.79%0.66%2.56%2.27%3.69%+190 bps
CRE / Total Capitaln/an/an/an/an/an/an/a