Green Bay, WI · Charter 66386
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.23% | 1.19% | 0.21% | 1.01% | 0.37% | 0.39% | 0.08% | -13 bps | |
| Return on Equity | 5.46% | 4.51% | 4.28% | 0.76% | 3.52% | 1.29% | 1.33% | 0.29% | -47 bps | |
| Net Interest Margin | 3.35% | 3.56% | 3.50% | 3.44% | 3.07% | 2.94% | 2.96% | 2.82% | -62 bps | |
| Efficiency Ratio | 59.08% | 65.92% | 66.36% | 78.59% | 67.37% | 87.64% | 86.96% | 97.04% | +1,846 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.77% | -16.66% | -14.51% | -12.39% | -10.80% | -6.12% | -6.46% | -2.88% | +952 bps | |
| Loan Growth (YoY) | -0.63% | -1.56% | 1.05% | -4.27% | -8.67% | -5.95% | -13.67% | -10.44% | -617 bps | |
| Share Growth (YoY) | -21.51% | -21.74% | -19.22% | -16.66% | -14.58% | -8.03% | -8.33% | -4.06% | +1,260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.07% | 0.10% | 0.00% | 0.00% | 0.00% | 0.15% | 1.06% | +106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 2.70% | 2.65% | 3.39% | 3.54% | 3.56% | 3.45% | 3.52% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.44% | 27.23% | 27.87% | 28.12% | 28.59% | 28.71% | 29.31% | 29.00% | +87 bps | |
| Net Worth / Assets | 25.44% | 27.23% | 27.87% | 28.12% | 28.59% | 28.71% | 29.31% | 29.00% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.01% | 107.56% | 112.02% | 109.91% | 106.92% | 109.98% | 105.49% | 102.60% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |