Marshfield, WI · Charter 66481
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Marshfield, WI · Charter 66481
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.13% | -0.08% | 0.72% | 0.90% | 0.62% | 0.20% | -3.16% | -388 bps | |
| Return on Equity | 2.01% | 1.60% | -0.96% | 8.58% | 10.30% | 7.20% | 2.31% | -38.60% | -4,719 bps | |
| Net Interest Margin | 5.14% | 5.11% | 5.21% | 4.89% | 5.09% | 5.15% | 5.40% | 5.09% | +20 bps | |
| Efficiency Ratio | 97.37% | 97.90% | 98.15% | 89.10% | 86.28% | 88.29% | 92.03% | 142.71% | +5,361 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.09% | -1.93% | -4.90% | -6.33% | -4.18% | -4.02% | -6.02% | -6.56% | -24 bps | |
| Loan Growth (YoY) | -11.26% | -8.62% | -7.37% | 1.79% | 5.02% | 6.51% | 10.38% | 7.81% | +601 bps | |
| Share Growth (YoY) | -6.08% | -1.63% | -5.33% | -7.11% | -4.98% | -4.92% | -6.92% | -9.24% | -213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.62% | 3.09% | 3.78% | 1.83% | 1.73% | 1.98% | 2.69% | 1.04% | -79 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 | 2.36% | 2.07% | 2.12% | 1.95% | 1.73% | 1.80% | 1.78% | 1.43% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.02% | 8.04% | 8.11% | 8.39% | 8.70% | 8.66% | 8.83% | 8.20% | -19 bps | |
| Net Worth / Assets | 8.02% | 8.04% | 8.11% | 8.39% | 8.70% | 8.66% | 8.83% | 8.20% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.21% | 81.10% | 79.23% | 82.25% | 87.54% | 90.85% | 93.96% | 97.70% | +1,545 bps | |
| Liquid Assets / Assets | 20.56% | 18.13% | 20.43% | 17.31% | 10.86% | 9.14% | 5.67% | 3.65% | -1,366 bps | |