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Bank of Wausau

Wausau, WI · Cert 35016

FDIC

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Bank of Wausau

Wausau, WI · Cert 35016

FDIC

Q2 2013

$43.6MAssets
$26.3MLoans
$40.7MDeposits
$19KEquity
Loan mix
87%RE $16.2M12%C&I $2.2M1%Consumer $0.2MQ2 2012Q2 2013
Deposit mix
94%Interest-bearing $38.0M6%Noninterest $2.6MQ2 2012Q2 2013

NIM

4.63%Q2 ’114.53%Q2 ’123.34%Q2 ’13+5%-33%

Non-interest income vs. expense

5.43%Q2 ’116.00%Q2 ’1210.82%Q2 ’13+15%+86%

Executive Summary

  • Earnings: ROA of -7.96%, down 569 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.81%.
  • Funding: loans stand at 64.59% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-7.96%-569 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-109 bps YoY

Efficiency Ratio (YTD, annualized)

384%+22,637 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-2.27%-1.80%-1.62%-9.01%-7.96%-569 bps
Return on Equity-54.05%-43.54%-39.44%-306%-384%-32,995 bps
Net Interest Margin3.30%3.28%3.57%2.01%2.21%-109 bps
Efficiency Ratio157.82%152.39%137.16%420%384%+22,637 bps
Non-Interest Burden5.50%5.27%5.16%11.00%10.22%+472 bps
Growth
Asset Growth (YoY)-24.65%-20.79%-20.89%-22.73%-23.31%+134 bps
Loan Growth (YoY)-34.18%-41.62%-36.98%-34.76%-30.07%+411 bps
Deposit Growth (YoY)-24.54%-20.99%-21.94%-21.52%-21.17%+337 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.61%1.58%1.69%1.33%0.81%+19 bps
Allowance / Loans4.61%4.43%4.78%4.73%5.00%+39 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 Capital6.98%7.55%7.33%4.19%0.93%-605 bps
Equity / Assets4.08%3.95%3.94%1.87%0.04%-404 bps
Liquidity & Funding
Loans / Deposits72.80%62.53%63.48%62.95%64.59%-822 bps
Liquid Assets / Assets9.60%8.35%6.94%4.64%2.13%-747 bps
CRE / Total Capitaln/an/an/an/an/an/an/a