Gilman, WI · Cert 9533
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.60% | 0.10% | 0.09% | 0.48% | 0.71% | 0.62% | 0.49% | +41 bps | |
| Return on Equity | 3.63% | 6.08% | 1.02% | 0.87% | 4.60% | 6.67% | 5.59% | 4.41% | +355 bps | |
| Net Interest Margin | 4.39% | 4.46% | 3.91% | 3.93% | 3.90% | 3.94% | 3.82% | 3.58% | -35 bps | |
| Efficiency Ratio | 79.89% | 79.24% | 82.53% | 82.54% | 93.40% | 82.40% | 86.64% | 90.09% | +755 bps | |
| Non-Interest Burden | 3.36% | 3.39% | 3.09% | 3.15% | 3.63% | 3.15% | 3.21% | 3.17% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.41% | -1.80% | -5.31% | -2.62% | -4.84% | -5.85% | -7.47% | -3.13% | -51 bps | |
| Loan Growth (YoY) | -6.96% | -10.36% | -17.53% | -18.22% | -17.07% | -21.59% | -22.76% | -19.00% | -78 bps | |
| Deposit Growth (YoY) | -4.12% | -1.65% | -7.03% | -3.32% | -6.08% | -7.46% | -9.68% | -4.53% | -121 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 | 0.16% | 0.88% | 0.73% | 1.33% | 2.27% | 0.05% | 2.96% | 0.18% | -115 bps | |
| Allowance / Loans | 2.86% | 2.75% | 3.09% | 3.30% | 2.88% | 3.07% | 2.65% | 2.60% | -70 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 | 13.51% | 15.01% | 14.60% | 15.10% | 15.95% | 16.84% | 18.06% | 18.58% | +349 bps | |
| Equity / Assets | 9.75% | 9.85% | 10.01% | 10.21% | 10.57% | 10.81% | 11.31% | 11.12% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.67% | 91.02% | 85.16% | 82.99% | 81.82% | 77.12% | 72.83% | 70.41% | -1,258 bps | |
| Liquid Assets / Assets | 12.89% | 15.91% | 18.04% | 22.39% | 26.01% | 29.21% | 31.93% | 30.65% | +826 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |