Stoughton, WI · Cert 5328
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Stoughton, WI · Cert 5328
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09%1 | -1.83% | -1.35% | -1.22% | -0.39% | -8.76% | -10.40% | -8.53% | -731 bps | |
| Return on Equity | 1.03% | -20.32% | -15.30% | -14.08% | -4.94% | -130.04% | -189.00% | -188.58% | -17,450 bps | |
| Net Interest Margin | 1.73% | 1.71% | 1.77% | 1.76% | 2.00% | 1.95% | 2.00% | 1.94% | +18 bps | |
| Efficiency Ratio | 121.29% | 125.41% | 128.03% | 135.24% | 123.08% | 149.36% | 224% | 245% | +11,024 bps | |
| Non-Interest Burden | 2.22% | 2.31% | 2.38% | 2.49% | 2.55% | 2.92% | 3.83% | 4.20% | +171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | -2.63% | -2.08% | -4.11% | 0.69% | -6.89% | -13.78% | -15.25% | -1,115 bps | |
| Loan Growth (YoY) | 10.51% | 1.61% | -8.39% | -13.88% | -11.74% | -13.58% | -19.27% | -19.19% | -530 bps | |
| Deposit Growth (YoY) | 10.56% | -3.00% | 1.10% | -0.57% | 3.34% | -2.86% | -8.69% | -9.60% | -904 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 | 0.11% | -0.07% | 1.01% | 0.78% | 0.40% | 4.02% | 9.34% | 7.56% | +678 bps | |
| Allowance / Loans | 1.35% | 3.66% | 3.25% | 3.60% | 3.66% | 4.71% | 4.72% | 4.84% | +124 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 | 11.35% | 9.87% | 9.42% | 9.30% | 8.98% | 6.93% | 2.51% | 0.97% | -833 bps | |
| Equity / Assets | 9.32% | 8.50% | 8.46% | 7.84% | 7.81% | 4.38% | 1.32% | 0.11% | -773 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.83% | 93.65% | 90.17% | 84.98% | 81.84% | 83.32% | 79.72% | 75.97% | -901 bps | |
| Liquid Assets / Assets | 3.96% | 3.15% | 5.46% | 3.50% | 4.93% | 4.69% | 5.56% | 9.99% | +649 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |