Oshkosh, WI · Charter 66392
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.43% | -0.43% | 0.00% | 0.07% | 0.39% | 0.29% | -0.27% | -27 bps | |
| Return on Equity | 3.37% | 1.96% | -1.83% | 0.01% | 0.31% | 1.62% | 1.15% | -1.04% | -105 bps | |
| Net Interest Margin | 4.42% | 4.49% | 4.97% | 4.88% | 4.81% | 5.00% | 5.28% | 5.19% | +31 bps | |
| Efficiency Ratio | 79.33% | 78.26% | 78.58% | 85.44% | 83.42% | 79.52% | 78.41% | 88.52% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.73% | -8.01% | -15.18% | -15.79% | -10.88% | -11.50% | -6.63% | -8.17% | +762 bps | |
| Loan Growth (YoY) | -2.11% | -11.43% | -6.22% | -3.02% | -3.53% | 7.94% | 5.81% | 3.78% | +680 bps | |
| Share Growth (YoY) | -11.66% | -10.72% | -18.58% | -19.14% | -13.02% | -14.00% | -9.00% | -10.89% | +825 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.52% | 1.99% | 1.71% | 1.46% | 0.86% | 0.55% | 1.55% | -16 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 | 0.97% | 1.51% | 1.37% | 1.05% | 0.94% | 0.89% | 0.82% | 1.08% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.48% | 21.71% | 23.35% | 23.44% | 23.31% | 24.03% | 25.30% | 25.76% | +232 bps | |
| Net Worth / Assets | 21.48% | 21.71% | 23.35% | 23.44% | 23.31% | 24.03% | 25.30% | 25.76% | +232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.33% | 88.20% | 103.28% | 104.12% | 102.40% | 110.70% | 120.09% | 121.25% | +1,713 bps | |
| Liquid Assets / Assets | 26.05% | 20.33% | 19.67% | 19.08% | 0.00% | 0.00% | 0.00% | 0.00% | -1,908 bps | |