Westby, WI · Cert 9521
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.46% | 0.96% | 0.89% | 0.95% | 0.72% | 0.60% | 0.50% | -0.12% | -107 bps | |
| Return on Equity | -25.40% | 10.39% | 9.58% | 9.97% | 7.43% | 6.05% | 5.04% | -1.26% | -1,123 bps | |
| Net Interest Margin | 3.94% | 3.57% | 3.78% | 3.83% | 3.72% | 3.43% | 3.20% | 3.42% | -41 bps | |
| Efficiency Ratio | 57.86% | 63.29% | 64.00% | 61.78% | 69.62% | 72.56% | 75.99% | 75.06% | +1,328 bps | |
| Non-Interest Burden | 2.19% | 1.99% | 2.30% | 2.21% | 2.51% | 2.41% | 2.33% | 2.49% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.16% | 20.86% | 21.90% | -0.23% | -1.25% | -1.47% | 0.11% | 4.22% | +446 bps | |
| Loan Growth (YoY) | 27.77% | 22.97% | 24.97% | 3.39% | 4.05% | 1.45% | 5.34% | 6.38% | +299 bps | |
| Deposit Growth (YoY) | 34.44% | 26.83% | 24.19% | -0.71% | -3.72% | -0.14% | 3.46% | 7.66% | +837 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 | -0.65% | 3.95% | -0.15% | 1.15% | 1.04% | 0.51% | 1.35% | 0.53% | -62 bps | |
| Allowance / Loans | 2.88% | 1.96% | 2.05% | 1.77% | 1.57% | 1.55% | 1.21% | 1.42% | -36 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 | 10.50% | 10.15% | 10.52% | 10.49% | 10.72% | 11.03% | 10.73% | 9.96% | -53 bps | |
| Equity / Assets | 9.20% | 9.31% | 9.34% | 9.71% | 9.79% | 10.13% | 9.76% | 9.45% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.43% | 96.61% | 98.52% | 103.43% | 102.05% | 98.15% | 100.31% | 102.20% | -123 bps | |
| Liquid Assets / Assets | 0.00% | 0.03% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +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 |