Milwaukee, WI · Charter 66414
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.76% | 0.65% | 0.57% | 0.48% | 0.37% | 0.15% | 0.07% | -49 bps | |
| Return on Equity | 5.38% | 4.47% | 3.75% | 3.15% | 2.62% | 1.98% | 0.78% | 0.39% | -277 bps | |
| Net Interest Margin | 3.86% | 4.04% | 4.08% | 4.12% | 4.11% | 4.21% | 3.98% | 4.05% | -7 bps | |
| Efficiency Ratio | 78.44% | 81.03% | 83.96% | 86.61% | 88.12% | 89.72% | 92.06% | 90.95% | +434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.26% | -13.66% | -11.67% | -10.52% | -10.87% | -7.67% | -7.20% | -5.84% | +469 bps | |
| Loan Growth (YoY) | 15.96% | -1.51% | -2.00% | -1.11% | 1.11% | -1.25% | -3.56% | -4.87% | -375 bps | |
| Share Growth (YoY) | -17.26% | -16.77% | -14.43% | -13.03% | -13.99% | -11.36% | -9.17% | -8.98% | +405 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.22% | 0.11% | 0.24% | 0.19% | 0.17% | 0.87% | 1.35% | +111 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 | 0.27% | 0.30% | 0.33% | 0.32% | 0.32% | 0.30% | 0.35% | 0.35% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.86% | 16.95% | 17.30% | 17.94% | 18.24% | 18.73% | 18.88% | 19.16% | +123 bps | |
| Net Worth / Assets | 15.86% | 16.95% | 17.30% | 17.94% | 18.24% | 18.73% | 18.88% | 19.16% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.30% | 97.05% | 98.89% | 104.45% | 106.16% | 108.12% | 105.00% | 109.18% | +472 bps | |
| Liquid Assets / Assets | 11.92% | 7.58% | 6.34% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |