PackageTrendsPeer
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Community Bank of Oconto County

Oconto Falls, WI · Cert 32724

FDIC

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

Community Bank of Oconto County

Oconto Falls, WI · Cert 32724

FDIC

Q3 2007

$101.0MAssets
$72.8MLoans
$92.2MDeposits
$8.2MEquity
Loan mix
88%RE $57.6M11%C&I $7.2M0%Consumer $0.3MQ3 2006Q3 2007
Deposit mix
92%Interest-bearing $84.4M8%Noninterest $7.8MQ3 2006Q3 2007

NIM

5.72%Q3 ’056.55%Q3 ’066.72%Q3 ’07-5%-12%

Non-interest income vs. expense

3.39%Q3 ’053.42%Q3 ’063.14%Q3 ’07+4%-11%

Executive Summary

  • Earnings: ROA of 0.54%, down 7 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 78.92% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.54%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-44 bps YoY

Efficiency Ratio (YTD, annualized)

80.67%+124 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.61%0.55%0.64%0.57%0.54%-7 bps
Return on Equity7.86%7.06%8.27%7.30%6.92%-94 bps
Net Interest Margin3.74%3.56%3.35%3.32%3.30%-44 bps
Efficiency Ratio79.42%81.72%76.80%79.52%80.67%+124 bps
Non-Interest Burden2.86%2.81%2.44%2.52%2.55%-31 bps
Growth
Asset Growth (YoY)6.59%7.96%9.77%7.98%4.86%-173 bps
Loan Growth (YoY)3.79%3.88%-4.78%-4.68%-3.13%-692 bps
Deposit Growth (YoY)13.36%7.87%10.36%12.83%5.90%-746 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.13%0.05%0.06%0.03%-8 bps
Allowance / Loans0.76%0.71%0.74%0.72%0.71%-5 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 Capital10.24%10.29%10.60%10.94%10.75%+51 bps
Equity / Assets7.91%7.73%7.78%7.73%8.09%+17 bps
Liquidity & Funding
Loans / Deposits86.28%83.26%76.93%77.26%78.92%-736 bps
Liquid Assets / Assets0.02%0.01%0.01%0.00%0.02%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a