Burlington, WI · Cert 5287
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.23% | -1.84% | -2.24% | -3.43% | 0.14% | -5.12% | -4.42% | -218 bps | |
| Return on Equity | 7.91% | 3.17% | -26.98% | -34.69% | -58.42% | 3.75% | -167.07% | -167.79% | -13,310 bps | |
| Net Interest Margin | 3.18% | 2.97% | 2.93% | 2.68% | 2.73% | 2.82% | 2.83% | 2.79% | +11 bps | |
| Efficiency Ratio | 57.51% | 68.87% | 73.65% | 72.74% | 75.28% | 75.40% | 86.76% | 90.67% | +1,792 bps | |
| Non-Interest Burden | 1.46% | 1.82% | 1.99% | 1.78% | 1.90% | 1.97% | 2.40% | 2.49% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.25% | 0.56% | 11.18% | 3.69% | -1.94% | -3.81% | -18.30% | -20.23% | -2,392 bps | |
| Loan Growth (YoY) | 11.74% | 4.54% | -3.11% | -11.33% | -17.10% | -17.87% | -17.22% | -15.51% | -417 bps | |
| Deposit Growth (YoY) | 10.11% | 4.01% | 20.88% | 10.83% | 6.96% | 4.21% | -13.87% | -15.42% | -2,625 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 | 0.44% | 1.00% | 3.60% | 5.47% | 7.71% | 0.51% | 2.06% | 2.08% | -339 bps | |
| Allowance / Loans | 1.73% | 1.73% | 2.53% | 2.78% | 3.80% | 3.75% | 5.73% | 6.67% | +389 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 | 10.40% | 10.91% | 10.15% | 9.31% | 6.92% | 7.15% | 4.59% | 3.74% | -556 bps | |
| Equity / Assets | 7.36% | 7.36% | 5.83% | 5.34% | 3.50% | 3.99% | 1.60% | 1.13% | -421 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.70% | 104.75% | 84.75% | 84.09% | 79.60% | 82.57% | 81.46% | 84.00% | -9 bps | |
| Liquid Assets / Assets | 0.94% | 1.11% | 10.62% | 6.87% | 5.98% | 4.31% | 8.15% | 8.29% | +142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |