Blackhawk Bank: Blackhawk Bancorp, Inc. Financial Highlights

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Financial Highlights

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

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	324,756	316,367	2.65	318,990	7.23
Loans Held for Sale, before Reserves	NA	2,070	NA	5,963	NA
Loan Loss Reserve	5,104	2,852	78.96	3,850	130.29
Net Loans Receivable	319,652	315,585	1.29	321,103	(1.81)
Intangible Assets	7,666	6,761	13.39	7,593	3.85
Total Assets	524,887	486,301	7.93	534,440	(7.15)
Deposits	402,133	358,070	12.31	407,035	(4.82)
Debt, Senior and Subordinated	83,523	101,340	(17.58)	86,867	(15.40)
Common Equity	25,661	24,456	4.93	26,451	(11.95)
Total Shareholders' Equity	35,719	24,456	46.05	36,484	(8.39)
Shares Outstanding (actual)	2,163,678	2,154,504	0.43	2,163,678	0.00

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	4,361	3,908	11.59	4,331	2.77
Provision for Loan Losses	1,790	328	445.73	850	442.35
Noninterest Income	1,859	1,331	39.67	2,033	(34.24)
Noninterest Expense	4,402	3,893	13.07	4,751	(29.38)
Net Income Before Taxes	28	1,013	(97.24)	672	(383.33)
Provision for Taxes	(161)	258	NM	153	NM
Net Income	189	755	(74.97)	519	(254.34)

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	11.86	11.35	4.48	12.23	(11.95)
Tangible Book Value	8.32	8.21	1.26	8.72	(18.31)
Diluted EPS Before Extra	0.01	0.35	(97.14)	0.17	(376.47)
Diluted EPS After Extra	0.01	0.35	(97.14)	0.17	(376.47)
Dividends Declared	0.0900	0.0900	0.00	0.0900	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	0.14	0.63	(49)	0.39	(25)
ROAE	2.09	12.41	(1,031)	5.80	(371)
Net Interest Margin	3.62	3.59	3	3.61	1
Loans / Deposits	80.76	88.35	(760)	78.37	239
Efficiency Ratio	69.63	73.27	(364)	75.45	(582)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	5.42	3.69	173	5.48	(6)
Equity/ Assets	6.81	5.03	178	6.83	(2)

Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	NA	0.53	NA	1.98	NA
Loan Loss Reserves/ Gross Loans	1.57	0.90	68	1.18	39
Loan Loss Reserves/ NPAs	NA	110.54	NA	36.42	NA
Net Charge-offs/ Avg Loans	0.66	0.13	53	0.64	2

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	NA	9.99	NA	NA	NA

^† 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.


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