Oconto Falls, WI · Cert 32724
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.65% | 0.61% | 0.59% | 0.37% | 0.64% | 0.49% | 0.49% | -9 bps | |
| Return on Equity | 8.70% | 8.36% | 7.81% | 7.48% | 4.74% | 8.27% | 6.32% | 6.22% | -126 bps | |
| Net Interest Margin | 3.94% | 3.71% | 3.73% | 3.72% | 3.41% | 3.35% | 3.28% | 3.18% | -54 bps | |
| Efficiency Ratio | 78.15% | 78.79% | 78.26% | 81.22% | 88.95% | 76.80% | 82.30% | 83.07% | +184 bps | |
| Non-Interest Burden | 2.94% | 2.80% | 2.80% | 2.92% | 2.98% | 2.44% | 2.60% | 2.54% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.77% | 2.80% | 1.92% | 6.59% | 7.96% | 9.77% | 7.98% | 4.86% | -173 bps | |
| Loan Growth (YoY) | 8.82% | 10.53% | 3.79% | 3.79% | 3.88% | -4.78% | -4.68% | -3.13% | -692 bps | |
| Deposit Growth (YoY) | -1.92% | 3.64% | 1.70% | 13.36% | 7.87% | 10.36% | 12.83% | 5.90% | -746 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.19% | -0.02% | 0.17% | 0.18% | 0.05% | 0.07% | -0.02% | -18 bps | |
| Allowance / Loans | 0.87% | 0.80% | 0.80% | 0.76% | 0.71% | 0.74% | 0.72% | 0.71% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.32% | 10.32% | 10.19% | 10.24% | 10.29% | 10.60% | 10.94% | 10.75% | +51 bps | |
| Equity / Assets | 7.72% | 7.86% | 7.76% | 7.91% | 7.73% | 7.78% | 7.73% | 8.09% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.45% | 89.16% | 91.45% | 86.28% | 83.26% | 76.93% | 77.26% | 78.92% | -736 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |