PackageTrendsPeer
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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 $1.0MQ3 2003Q2 2005
Deposit mix
86%Interest-bearing $49.7M14%Noninterest $8.3MQ3 2003Q2 2005

Executive Summary

  • Earnings: ROA of 0.34%, down 42 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 100.28% of deposits as of Q2 2005.

Return on Assets (quarter, annualized)

0.34%-42 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+7 bps YoY

Efficiency Ratio (quarter, annualized)

83.31%+1,188 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.59%Q2 ’035.01%Q2 ’045.46%Q2 ’05-4%+2%

Non-interest income vs. expense

2.85%Q2 ’033.01%Q2 ’043.39%Q2 ’05+38%+25%

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.03%0.81%0.73%0.76%0.64%0.68%0.54%0.34%-42 bps
Return on Equity10.35%8.15%7.17%7.22%6.07%6.51%5.08%3.02%-420 bps
Net Interest Margin3.64%3.52%3.42%3.47%3.40%3.39%3.22%3.55%+7 bps
Efficiency Ratio61.15%67.24%72.28%71.43%73.12%69.59%74.16%83.31%+1,188 bps
Non-Interest Burden1.87%2.22%2.30%2.32%2.36%2.19%2.26%2.89%+58 bps
Growth
Asset Growth (YoY)5.33%4.50%0.93%0.77%0.09%2.60%-0.94%-1.75%-252 bps
Loan Growth (YoY)-1.79%-6.27%-4.72%-2.90%2.09%6.80%5.35%1.81%+471 bps
Deposit Growth (YoY)2.19%1.21%-2.95%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.28%0.08%0.13%0.11%0.08%0.00%-8 bps
Allowance / Loans1.26%1.32%1.25%1.18%1.15%1.14%1.16%1.18%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.78%12.23%12.61%12.34%12.43%12.46%12.85%12.82%+48 bps
Equity / Assets9.83%10.00%10.44%10.55%10.45%10.31%11.05%11.23%+68 bps
Liquidity & Funding
Loans / Deposits95.27%92.63%96.07%99.95%97.98%96.40%96.26%100.28%+34 bps
Liquid Assets / Assets0.11%0.04%0.11%0.11%0.00%0.10%0.09%0.05%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a