Racine, WI · Cert 18321
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.71% | -0.54% | -3.06% | -13.55% | 1.11% | -2.18% | -4.13% | -107 bps | |
| Return on Equity | 12.30% | 9.74% | -7.56% | -46.51% | -281% | 31.29% | -63.35% | -153.44% | -10,693 bps | |
| Net Interest Margin | 3.54% | 3.49% | 3.24% | 3.22% | 3.09% | 3.01% | 2.67% | 2.51% | -71 bps | |
| Efficiency Ratio | 76.22% | 80.58% | 86.44% | 90.15% | 126.79% | 65.97% | 136.16% | 243% | +15,263 bps | |
| Non-Interest Burden | 2.60% | 2.73% | 2.73% | 2.86% | 4.00% | 1.94% | 4.14% | 4.74% | +188 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 | 0.34% | 0.08% | 0.20% | 1.53% | 6.57% | 0.20% | 2.30% | 2.14% | +60 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 |