Janesville, WI · Charter 66507
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -0.06% | -0.04% | -0.40% | -0.06% | -0.50% | -0.37% | -4.04% | -365 bps | |
| Return on Equity | -8.97% | -0.21% | -0.14% | -1.39% | -0.20% | -1.81% | -1.37% | -16.07% | -1,467 bps | |
| Net Interest Margin | 4.78% | 4.71% | 4.80% | 4.87% | 4.54% | 4.47% | 3.90% | 4.06% | -81 bps | |
| Efficiency Ratio | 108.56% | 85.48% | 89.64% | 96.14% | 101.10% | 107.50% | 108.03% | 149.85% | +5,371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.28% | -7.30% | -9.10% | -4.48% | -6.51% | -4.20% | 1.19% | 2.43% | +692 bps | |
| Loan Growth (YoY) | 1.42% | -11.24% | -9.93% | -12.70% | -10.65% | -2.78% | -9.04% | -4.06% | +865 bps | |
| Share Growth (YoY) | -9.78% | -9.22% | -12.70% | -6.53% | -7.38% | -4.72% | 3.99% | 8.69% | +1,522 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.21% | 3.04% | 1.99% | 2.11% | 2.15% | 2.06% | 2.19% | 1.57% | -54 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 | 0.82% | 0.86% | 0.85% | 0.89% | 0.92% | 0.88% | 0.94% | 0.23% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.88% | 27.37% | 28.31% | 28.63% | 28.97% | 27.83% | 26.79% | 25.18% | -345 bps | |
| Net Worth / Assets | 26.88% | 27.37% | 28.31% | 28.63% | 28.97% | 27.83% | 26.79% | 25.18% | -345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.90% | 98.32% | 104.66% | 102.53% | 100.23% | 100.33% | 91.54% | 90.50% | -1,202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |