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Community Bank Spring Green and Plain

Spring Green, WI · Cert 34174

FDIC

Q2 2005

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: Q2 2005, the quarter ended June 30, 2005, 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 Spring Green and Plain

Spring Green, WI · Cert 34174

FDIC

Q2 2005

$71.1MAssets
$58.1MLoans
$58.0MDeposits
$8.0MEquity
Loan mix
72%RE $22.1M25%C&I $7.6M3%Consumer $1.0MQ2 2004Q2 2005
Deposit mix
86%Interest-bearing $49.7M14%Noninterest $8.3MQ2 2004Q2 2005

NIM

5.66%Q2 ’035.01%Q2 ’045.45%Q2 ’05-5%+1%

Non-interest income vs. expense

2.82%Q2 ’033.04%Q2 ’043.19%Q2 ’05+28%+15%

Executive Summary

  • Earnings: ROA of 0.44%, down 30 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 100.28% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.44%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+3 bps YoY

Efficiency Ratio (YTD, annualized)

78.76%+690 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.74%0.71%0.70%0.54%0.44%-30 bps
Return on Equity7.20%6.82%6.74%5.08%4.05%-315 bps
Net Interest Margin3.45%3.36%3.32%3.22%3.48%+3 bps
Efficiency Ratio71.86%72.27%71.60%74.16%78.76%+690 bps
Non-Interest Burden2.31%2.28%2.23%2.26%2.65%+34 bps
Growth
Asset Growth (YoY)0.77%0.09%2.60%-0.94%-1.75%-252 bps
Loan Growth (YoY)-2.90%2.09%6.80%5.35%1.81%+471 bps
Deposit Growth (YoY)0.37%-0.74%2.62%5.15%1.47%+111 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.16%0.15%0.08%0.04%-14 bps
Allowance / Loans1.18%1.15%1.14%1.16%1.18%0 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 Capital12.34%12.43%12.46%12.85%12.82%+48 bps
Equity / Assets10.55%10.45%10.31%11.05%11.23%+68 bps
Liquidity & Funding
Loans / Deposits99.95%97.98%96.40%96.26%100.28%+34 bps
Liquid Assets / Assets0.11%0.00%0.10%0.09%0.05%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a