Wisconsin Rapids, WI · Cert 32911
FDIC
Q4 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.09% | 31.62% | 31.22% | 12.02% | 3.95% | -514 bps | |
| Return on Equity | 10.42% | 38.56% | 37.42% | 14.21% | 4.61% | -581 bps | |
| Net Interest Margin | 7.94% | 8.04% | 7.59% | 7.15% | 8.01% | +7 bps | |
| Efficiency Ratio | 93.77% | 79.32% | 78.43% | 91.85% | 97.43% | +366 bps | |
| Non-Interest Burden | -0.59% | -22.62% | -22.55% | -4.03% | 4.27% | +487 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.76% | 7.78% | 2.67% | -6.68% | -8.02% | -1,978 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 97.80% | 136.68% | 148.68% | 147.23% | 146.83% | +4,903 bps | |
| Equity / Assets | 78.90% | 85.04% | 86.04% | 88.33% | 90.17% | +1,127 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 25.33% | 20.82% | 14.41% | 9.38% | +938 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |