Neenah, WI · Charter 66405
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Neenah, WI · Charter 66405
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | 0.30% | 0.60% | 0.52% | 0.51% | 0.47% | 0.35% | -7.62% | -814 bps | |
| Return on Equity | -2.37% | 2.77% | 5.42% | 4.56% | 4.25% | 3.95% | 2.89% | -121.54% | -12,609 bps | |
| Net Interest Margin | 3.69% | 4.08% | 4.00% | 4.09% | 4.21% | 3.85% | 3.79% | 1.24% | -285 bps | |
| Efficiency Ratio | 105.34% | 92.87% | 86.75% | 88.01% | 87.34% | 85.26% | 89.04% | 403% | +31,468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.28% | -3.79% | -6.98% | -5.73% | -5.92% | -4.23% | -5.25% | -3.24% | +250 bps | |
| Loan Growth (YoY) | 27.48% | 26.22% | 21.50% | 8.69% | -1.75% | -7.33% | -8.57% | -10.00% | -1,870 bps | |
| Share Growth (YoY) | -5.28% | -4.09% | -8.11% | -6.83% | -2.30% | -5.30% | -6.24% | -1.43% | +540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.50% | 0.40% | 0.95% | 0.37% | 0.47% | 1.58% | 1.91% | +96 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 | 0.16% | 0.17% | 0.19% | 0.23% | 0.24% | 0.34% | 0.39% | 1.78% | +154 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.85% | 10.97% | 11.15% | 11.49% | 12.05% | 12.00% | 12.13% | 6.27% | -523 bps | |
| Net Worth / Assets | 10.85% | 10.97% | 11.15% | 11.49% | 12.05% | 12.00% | 12.13% | 6.27% | -523 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.63% | 83.57% | 81.50% | 82.88% | 85.11% | 81.79% | 79.47% | 75.67% | -721 bps | |
| Liquid Assets / Assets | 8.76% | 7.23% | 8.34% | 9.54% | 7.21% | 13.33% | 14.38% | 22.89% | +1,335 bps | |