Wisconsin Rapids, WI · Cert 32911
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -23.25% | 31.62% | 31.14% | -26.52% | -22.18% | +107 bps | |
| Return on Equity | -28.23% | 38.56% | 36.40% | -30.44% | -24.86% | +336 bps | |
| Net Interest Margin | 7.89% | 8.04% | 7.59% | 6.42% | 8.66% | +77 bps | |
| Efficiency Ratio | 115.87% | 79.32% | 77.54% | 119.39% | 116.18% | +31 bps | |
| Non-Interest Burden | 30.15% | -22.62% | -23.76% | 32.54% | 30.27% | +11 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 |