Green Bay, WI · Charter 66521
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.18% | 0.56% | 0.69% | 0.09% | -13.78% | -5.63% | -5.85% | -654 bps | |
| Return on Equity | 6.54% | 1.24% | 3.83% | 4.46% | 0.65% | -121.67% | -48.51% | -55.47% | -5,993 bps | |
| Net Interest Margin | 4.71% | 4.26% | 4.20% | 4.43% | 4.31% | 3.93% | 3.77% | 4.18% | -25 bps | |
| Efficiency Ratio | 80.03% | 96.28% | 88.21% | 86.40% | 83.64% | 100.80% | 79.88% | 86.15% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | 5.99% | 7.80% | 1.43% | 9.97% | -2.71% | 0.11% | 0.34% | -109 bps | |
| Loan Growth (YoY) | -14.16% | -13.98% | -13.73% | -13.22% | 6.79% | 16.19% | 22.97% | 22.07% | +3,529 bps | |
| Share Growth (YoY) | 1.96% | -5.38% | -3.85% | -10.67% | -0.76% | 4.75% | 8.47% | 10.81% | +2,148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.54% | 1.65% | 3.30% | 4.74% | 3.45% | 3.46% | 3.19% | -11 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 | 3.03% | 3.22% | 3.39% | 3.46% | 3.66% | 5.03% | 4.98% | 6.13% | +267 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.85% | 14.33% | 14.62% | 15.40% | 14.50% | 11.33% | 11.60% | 10.55% | -486 bps | |
| Net Worth / Assets | 15.85% | 14.33% | 14.62% | 15.40% | 14.50% | 11.33% | 11.60% | 10.55% | -486 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.25% | 91.21% | 87.98% | 90.75% | 103.58% | 101.17% | 99.75% | 99.97% | +923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |