Racine, WI · Cert 18321
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Racine, WI · Cert 18321
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.71% | 0.08%1 | -0.96% | -4.06% | 1.11% | -0.53% | -1.72% | -75 bps | |
| Return on Equity | 14.04% | 9.74% | 1.17% | -13.90% | -64.97% | 31.29% | -15.52% | -54.87% | -4,097 bps | |
| Net Interest Margin | 3.57% | 3.49% | 3.37% | 3.31% | 3.35% | 3.01% | 2.84% | 2.79% | -52 bps | |
| Efficiency Ratio | 74.88% | 80.58% | 83.43% | 85.60% | 94.87% | 65.97% | 105.59% | 129.45% | +4,384 bps | |
| Non-Interest Burden | 2.54% | 2.73% | 2.74% | 2.77% | 3.15% | 1.94% | 3.04% | 3.67% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.86% | 7.69% | 6.51% | 3.73% | -6.57% | -7.03% | -7.36% | -10.35% | -1,408 bps | |
| Loan Growth (YoY) | 6.79% | 7.76% | 8.21% | 3.97% | 1.70% | -3.15% | -8.30% | -11.35% | -1,532 bps | |
| Deposit Growth (YoY) | 6.64% | 8.09% | 3.03% | 0.33% | -7.48% | 3.22% | 8.19% | 4.68% | +435 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 | 0.14% | 0.08% | 0.14% | 0.60% | 2.11% | 0.20% | 1.26% | 1.57% | +97 bps | |
| Allowance / Loans | 1.15% | 1.15% | 1.41% | 2.00% | 4.06% | 4.11% | 3.96% | 4.09% | +209 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 | 11.37% | 11.78% | 11.08% | 9.78% | 5.59% | 6.00% | 5.37% | 4.23% | -554 bps | |
| Equity / Assets | 7.11% | 7.49% | 6.91% | 6.24% | 3.32% | 3.79% | 3.10% | 2.27% | -397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.01% | 115.86% | 122.74% | 121.88% | 123.12% | 108.72% | 104.04% | 103.22% | -1,866 bps | |
| Liquid Assets / Assets | 0.19% | 0.19% | 0.16% | 0.16% | 0.17% | 0.18% | 7.62% | 8.66% | +850 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |