Kaukauna, WI · Cert 5305
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kaukauna, WI · Cert 5305
FDIC
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.24% | 0.34% | 0.75% | 0.68% | 0.70% | 0.71% | 0.97% | +23 bps | |
| Return on Equity | 0.81% | 2.37% | 3.25% | 6.31% | 5.75% | 5.87% | 5.85% | 7.75% | +144 bps | |
| Net Interest Margin | 3.36% | 3.48% | 3.62% | 3.56% | 3.59% | 3.61% | 3.55% | 3.52% | -4 bps | |
| Efficiency Ratio | 72.72% | 72.97% | 73.13% | 73.69% | 75.77% | 76.52% | 76.34% | 74.61% | +93 bps | |
| Non-Interest Burden | 2.26% | 2.35% | 2.46% | 2.41% | 2.53% | 2.58% | 2.53% | 2.44% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.25% | -11.19% | -10.88% | -9.35% | -8.30% | -4.67% | -1.91% | -5.47% | +388 bps | |
| Loan Growth (YoY) | -10.11% | -13.86% | -13.50% | -12.14% | -12.41% | -11.23% | -9.26% | -8.23% | +391 bps | |
| Deposit Growth (YoY) | -7.07% | -11.89% | -16.18% | -14.15% | -11.24% | -7.52% | -3.00% | -7.47% | +668 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.85% | 1.02% | 0.99% | 0.76% | 0.81% | 0.82% | 1.04% | 0.54% | -22 bps | |
| Allowance / Loans | 4.21% | 4.33% | 4.53% | 4.55% | 4.58% | 4.59% | 4.49% | 4.36% | -19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.31% | 15.04% | 15.65% | 16.25% | 16.69% | 17.43% | 17.65% | 18.21% | +195 bps | |
| Equity / Assets | 10.93% | 11.24% | 11.64% | 12.11% | 11.80% | 12.43% | 12.33% | 12.84% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.49% | 89.47% | 87.63% | 88.12% | 88.31% | 85.88% | 81.97% | 87.39% | -72 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.01% | 0.10% | 0.10% | 0.10% | 0.10% | 0.09% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |