PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 0.44%, 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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.07%1.01%0.73%0.74%0.71%0.70%0.54%0.44%-30 bps
Return on Equity10.81%10.13%7.17%7.20%6.82%6.74%5.08%4.05%-315 bps
Net Interest Margin3.65%3.49%3.42%3.45%3.36%3.32%3.22%3.48%+3 bps
Efficiency Ratio60.53%62.10%72.28%71.86%72.27%71.60%74.16%78.76%+690 bps
Non-Interest Burden1.85%1.87%2.30%2.31%2.28%2.23%2.26%2.65%+34 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 / Loans0.16%0.13%0.28%0.18%0.16%0.15%0.08%0.04%-14 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