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First National Bank of Stoughton, The

Stoughton, WI · Cert 5328

FDIC

Q4 2010

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: Q4 2010, the quarter ended December 31, 2010, 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 2026-10-10

First National Bank of Stoughton, The

Stoughton, WI · Cert 5328

FDIC

Q4 2010

$240.9MAssets
$147.2MLoans
$193.7MDeposits
$265KEquity
Loan mix
85%RE $104.0M15%C&I $18.4M0%Consumer $0.1MQ4 2009Q4 2010
Deposit mix
91%Interest-bearing $176.7M9%Noninterest $17.0MQ4 2009Q4 2010

NIM

5.26%Q4 ’084.60%Q4 ’094.59%Q4 ’10-16%+10%

Non-interest income vs. expense

2.65%Q4 ’082.80%Q4 ’093.81%Q4 ’10+33%+68%

Executive Summary

  • Earnings: ROA of -8.53%, down 731 bps year over year; NIM at 1.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.56%.
  • Funding: loans stand at 75.97% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-8.53%-731 bps YoY

Net Interest Margin (YTD, annualized)

1.94%+18 bps YoY

Efficiency Ratio (YTD, annualized)

245%+11,024 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-1.22%-0.39%-8.76%-10.40%-8.53%-731 bps
Return on Equity-14.08%-4.94%-130.04%-189.00%-188.58%-17,450 bps
Net Interest Margin1.76%2.00%1.95%2.00%1.94%+18 bps
Efficiency Ratio135.24%123.08%149.36%224%245%+11,024 bps
Non-Interest Burden2.49%2.55%2.92%3.83%4.20%+171 bps
Growth
Asset Growth (YoY)-4.11%0.69%-6.89%-13.78%-15.25%-1,115 bps
Loan Growth (YoY)-13.88%-11.74%-13.58%-19.27%-19.19%-530 bps
Deposit Growth (YoY)-0.57%3.34%-2.86%-8.69%-9.60%-904 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.78%0.40%4.02%9.34%7.56%+678 bps
Allowance / Loans3.60%3.66%4.71%4.72%4.84%+124 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 Capital9.30%8.98%6.93%2.51%0.97%-833 bps
Equity / Assets7.84%7.81%4.38%1.32%0.11%-773 bps
Liquidity & Funding
Loans / Deposits84.98%81.84%83.32%79.72%75.97%-901 bps
Liquid Assets / Assets3.50%4.93%4.69%5.56%9.99%+649 bps
CRE / Total Capitaln/an/an/an/an/an/an/a