Westby, WI · Cert 9521
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.96% | 0.93% | 0.93% | 0.88% | 0.60% | 0.55% | 0.32% | -61 bps | |
| Return on Equity | 0.63% | 10.39% | 9.97% | 9.95% | 9.31% | 6.05% | 5.56% | 3.29% | -666 bps | |
| Net Interest Margin | 3.40% | 3.57% | 3.67% | 3.75% | 3.73% | 3.43% | 3.32% | 3.28% | -48 bps | |
| Efficiency Ratio | 60.62% | 63.29% | 63.64% | 63.02% | 64.62% | 72.56% | 74.25% | 74.52% | +1,150 bps | |
| Non-Interest Burden | 1.99% | 1.99% | 2.14% | 2.19% | 2.26% | 2.41% | 2.37% | 2.36% | +18 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 | -0.04% | 3.95% | 1.88% | 1.61% | 1.46% | 0.51% | 0.92% | 0.77% | -84 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 |