Manitowoc, WI · Charter 66510
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Manitowoc, WI · Charter 66510
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.15% | 1.26% | 0.83% | 1.17% | 0.73% | 0.89% | -55.13% | -5,597 bps | |
| Return on Equity | 4.75% | 5.22% | 5.57% | 3.52% | 4.79% | 2.98% | 3.48% | -463% | -46,624 bps | |
| Net Interest Margin | 2.89% | 3.19% | 3.53% | 3.11% | 3.13% | 2.60% | 2.95% | -51.71% | -5,482 bps | |
| Efficiency Ratio | 67.17% | 63.90% | 64.50% | 73.31% | 62.91% | 72.19% | 70.07% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.60% | -7.13% | -11.19% | -13.54% | -13.13% | -5.93% | -8.48% | -5.34% | +820 bps | |
| Loan Growth (YoY) | 6.03% | -14.65% | -22.91% | -34.26% | -49.45% | -43.15% | -38.61% | -45.86% | -1,160 bps | |
| Share Growth (YoY) | 28.31% | -10.41% | -15.18% | -18.26% | -17.89% | -8.78% | -12.01% | 9.26% | +2,752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 26.17% | 37.39% | 44.79% | 49.54% | 67.54% | 62.62% | 71.12% | 54.89% | +535 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 | 19.78% | 20.83% | 25.34% | 28.39% | 39.11% | 36.61% | 41.27% | 43.98% | +1,560 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.00% | 22.11% | 22.59% | 23.69% | 24.39% | 24.47% | 25.57% | 11.91% | -1,177 bps | |
| Net Worth / Assets | 20.00% | 22.11% | 22.59% | 23.69% | 24.39% | 24.47% | 25.57% | 11.91% | -1,177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.68% | 16.64% | 13.81% | 12.99% | 9.65% | 10.37% | 9.63% | 6.44% | -656 bps | |
| Liquid Assets / Assets | 17.44% | 10.27% | 8.68% | 4.01% | 73.05% | 4.47% | 23.16% | 29.86% | +2,584 bps | |