Janesville, WI · Charter 66475
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Janesville, WI · Charter 66475
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | 0.10% | -0.61% | -1.56% | -0.90% | -0.04% | -2.42% | -13.60% | -1,204 bps | |
| Return on Equity | -9.02% | 0.94% | -5.81% | -15.51% | -8.84% | -0.39% | -29.43% | -9714% | -969,871 bps | |
| Net Interest Margin | 4.70% | 6.44% | 4.57% | 4.82% | 4.78% | 4.43% | 4.11% | 3.96% | -86 bps | |
| Efficiency Ratio | 86.43% | 76.31% | 96.59% | 96.83% | 92.95% | 100.75% | 88.53% | 104.22% | +738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.66% | -8.22% | -8.79% | -10.31% | -2.56% | 0.83% | 5.02% | -0.44% | +987 bps | |
| Loan Growth (YoY) | -9.52% | -5.48% | -9.52% | -7.07% | -6.73% | -11.66% | -14.81% | -22.50% | -1,543 bps | |
| Share Growth (YoY) | -5.52% | -8.32% | -10.18% | -10.65% | -1.80% | 1.70% | 7.71% | 12.35% | +2,300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.80% | 4.36% | 2.06% | 2.49% | 3.60% | 3.62% | 5.38% | 3.94% | +146 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 | 1.26% | 1.73% | 1.72% | 1.82% | 1.93% | 2.01% | 4.32% | 13.48% | +1,167 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.78% | 10.83% | 10.50% | 10.03% | 10.17% | 9.83% | 8.24% | 0.14% | -989 bps | |
| Net Worth / Assets | 10.78% | 10.83% | 10.50% | 10.03% | 10.17% | 9.83% | 8.24% | 0.14% | -989 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.83% | 98.87% | 95.76% | 100.33% | 94.82% | 85.89% | 75.73% | 69.21% | -3,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |