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Wilton Savings Bank

Wilton, IA · Cert 9302

FDIC

Q4 2005

$81.0MAssets
$39.6MLoans
$72.6MDeposits
$7.5MEquity
Deposit mix
89%Interest-bearing $64.4M11%Noninterest $8.3MQ4 2004Q4 2005

NIM

4.46%Q4 ’034.49%Q4 ’044.84%Q4 ’05+9%-1%

Non-interest income vs. expense

2.23%Q4 ’032.29%Q4 ’042.17%Q4 ’05+3%-5%

Executive Summary

  • Earnings: ROA of 1.49%, up 8 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 54.51% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.49%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-3 bps YoY

Efficiency Ratio (YTD, annualized)

57.75%-234 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.41%1.68%1.50%1.50%1.49%+8 bps
Return on Equity14.92%17.33%15.17%15.30%15.37%+45 bps
Net Interest Margin3.40%3.50%3.47%3.50%3.37%-3 bps
Efficiency Ratio60.08%55.33%57.66%57.25%57.75%-234 bps
Non-Interest Burden1.88%1.69%1.82%1.83%1.78%-10 bps
Growth
Asset Growth (YoY)-0.36%0.57%0.27%-0.30%7.01%+737 bps
Loan Growth (YoY)7.19%6.29%8.67%13.07%7.84%+65 bps
Deposit Growth (YoY)-1.14%-0.02%-0.98%1.13%7.94%+908 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%0.04%0.02%0.02%0 bps
Allowance / Loans0.99%0.94%0.99%0.95%0.99%+1 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 Capital18.26%18.05%18.46%16.73%16.92%-134 bps
Equity / Assets9.74%9.65%10.24%9.60%9.20%-55 bps
Liquidity & Funding
Loans / Deposits54.56%57.31%57.10%61.92%54.51%-5 bps
Liquid Assets / Assets11.95%11.49%11.50%12.10%10.98%-97 bps
CRE / Total Capitaln/an/an/an/an/an/an/a