PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

6.06%Q3 ’056.73%Q3 ’066.67%Q3 ’07-8%-15%

Non-interest income vs. expense

3.42%Q3 ’053.50%Q3 ’063.13%Q3 ’07+12%-13%

Executive Summary

  • Earnings: ROA of 0.49%, down 9 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 78.92% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

0.49%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.18%-54 bps YoY

Efficiency Ratio (quarter, annualized)

83.07%+184 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.59%0.37%0.64%0.49%0.49%-9 bps
Return on Equity7.48%4.74%8.27%6.32%6.22%-126 bps
Net Interest Margin3.72%3.41%3.35%3.28%3.18%-54 bps
Efficiency Ratio81.22%88.95%76.80%82.30%83.07%+184 bps
Non-Interest Burden2.92%2.98%2.44%2.60%2.54%-37 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 / Loans0.17%0.18%0.05%0.07%-0.02%-18 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