Strum, WI · Charter 66441
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Strum, WI · Charter 66441
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.06% | -2.30% | -1.95% | -1.54% | -2.64% | -2.91% | -0.85% | +109 bps | |
| Return on Equity | 9.07% | 8.97% | -20.61% | -17.96% | -14.39% | -29.07% | -32.79% | -9.14% | +882 bps | |
| Net Interest Margin | 3.85% | 4.02% | 3.45% | 3.51% | 3.59% | 3.58% | 3.90% | 4.15% | +64 bps | |
| Efficiency Ratio | 74.15% | 72.85% | 84.41% | 70.84% | 74.86% | 77.76% | 76.79% | 81.98% | +1,115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.91% | 4.57% | 8.00% | 1.54% | -2.41% | 0.82% | -5.42% | -8.33% | -987 bps | |
| Loan Growth (YoY) | 2.45% | 5.55% | 4.14% | -2.09% | -3.45% | -7.21% | -5.65% | -13.61% | -1,153 bps | |
| Share Growth (YoY) | 13.62% | 3.48% | 9.10% | 2.80% | -2.14% | 4.43% | -3.20% | -6.50% | -930 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 2.84% | 10.50% | 10.76% | 10.56% | 9.92% | 12.25% | 7.77% | -300 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 | 0.74% | 0.84% | 1.67% | 2.26% | 2.63% | 3.05% | 4.42% | 2.69% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.31% | 11.83% | 11.14% | 10.83% | 10.71% | 9.09% | 8.87% | 9.32% | -151 bps | |
| Net Worth / Assets | 11.31% | 11.83% | 11.14% | 10.83% | 10.71% | 9.09% | 8.87% | 9.32% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.64% | 89.32% | 85.31% | 83.52% | 84.49% | 79.36% | 83.15% | 77.17% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |