Financial Information

FIRST MANITOWOC BANCORP, INC. (OTCQB - BFNC)

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	766,658	698,820	9.71	730,893	19.57
Loans Held for Sale, before Reserves	331	1,553	(78.69)	723	(216.87)
Loan Loss Reserve	8,068	7,806	3.36	7,950	5.94
Net Loans Receivable	758,921	692,567	9.58	723,666	19.49
Intangible Assets	8,055	8,073	(0.22)	8,060	(0.25)
Total Assets	971,619	923,281	5.24	1,020,426	(19.13)
Deposits	833,730	783,041	6.47	869,163	(16.31)
Debt, Senior and Subordinated	33,183	38,856	(14.60)	45,919	(110.94)
Common Equity	99,066	94,936	4.35	96,093	12.38
Total Shareholders' Equity	99,066	94,936	4.35	96,093	12.38
Shares Outstanding (actual)	6,567,598	6,612,234	(0.68)	6,531,121	2.23

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	8,128	7,931	2.48	8,138	(0.49)
Provision for Loan Losses	350	450	(22.22)	1,200	(283.33)
Noninterest Income	2,192	2,287	(4.15)	1,940	51.96
Noninterest Expense	5,579	4,981	12.01	6,396	(51.09)
Net Income Before Taxes	4,391	4,787	(8.27)	2,482	307.66
Provision for Taxes	1,373	1,510	(9.07)	520	656.15
Net Income	3,018	3,277	(7.90)	1,963	214.98

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	15.08	14.36	5.06	14.71	10.09
Tangible Book Value	13.86	13.14	5.49	13.48	11.23
Diluted EPS Before Extra	0.46	0.50	(8.00)	0.30	213.33
Diluted EPS After Extra	0.46	0.50	(8.00)	0.30	213.33
Dividends Declared	0.0000	0.1100	NM	0.5500	NM

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	1.22	1.43	(21)	0.82	41
ROAE	12.30	13.91	(160)	7.97	433
Net Interest Margin	3.73	3.93	(20)	3.83	(10)
Loans / Deposits	91.96	89.24	271	84.09	786
Efficiency Ratio	52.69	47.76	493	54.90	(221)

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	9.45	9.49	(5)	8.70	75
Equity/ Assets	10.20	10.28	(9)	9.42	78
Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.94	1.11	(17)	0.96	(2)
Loan Loss Reserves/ Gross Loans	1.05	1.11	(6)	1.09	(3)
Loan Loss Reserves/ NPAs	88.22	75.86	1,236	83.46	477
Net Charge-offs/ Avg Loans	0.12	0.07	5	0.62	(50)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	11.23	11.14	9	11.27	(4)

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Copyright 2013, © SNL Financial LC Terms of Use