Wilton Savings Bank

Wilton, IA · Cert 9302

FDIC

Q4 2005

$81.0MAssets

$39.6MLoans

$72.6MDeposits

$7.5MEquity

Deposit mix

NIM

Earnings: ROA of 1.48%, up 26 bps year over year; NIM at 3.38%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 54.51% of deposits as of Q4 2005.

Return on Assets (quarter, annualized)

1.48%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.38%-18 bps YoY

Efficiency Ratio (quarter, annualized)

59.22%-754 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2004	Q1 2005	Q2 2005	Q3 2005	Q4 2005	YoY Δ	Trend
Earnings
Return on Assets	1.22%	1.68%	1.31%	1.50%	1.48%	+26 bps
Return on Equity	12.65%	17.33%	13.17%	15.16%	15.71%	+306 bps
Net Interest Margin	3.56%	3.50%	3.45%	3.46%	3.38%	-18 bps
Efficiency Ratio	66.76%	55.33%	60.17%	56.41%	59.22%	-754 bps
Non-Interest Burden	2.26%	1.69%	1.95%	1.80%	1.85%	-41 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.01%	0.00%	0.07%	0.00%	0.00%	+1 bps
Allowance / Loans	0.99%	0.94%	0.99%	0.95%	0.99%	+1 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	18.26%	18.05%	18.46%	16.73%	16.92%	-134 bps
Equity / Assets	9.74%	9.65%	10.24%	9.60%	9.20%	-55 bps
Liquidity & Funding
Loans / Deposits	54.56%	57.31%	57.10%	61.92%	54.51%	-5 bps
Liquid Assets / Assets	11.95%	11.49%	11.50%	12.10%	10.98%	-97 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a