Neenah, WI · Charter 66539
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.52% | 0.68% | 0.67% | 0.61% | 0.97% | 0.88% | +21 bps | |
| Return on Equity | 4.71% | 4.73% | 4.17% | 5.18% | 5.13% | 4.77% | 7.09% | 6.34% | +116 bps | |
| Net Interest Margin | 4.09% | 4.11% | 3.95% | 4.11% | 4.02% | 3.91% | 3.93% | 4.03% | -8 bps | |
| Efficiency Ratio | 87.06% | 87.00% | 88.06% | 85.30% | 85.43% | 86.15% | 79.77% | 81.08% | -422 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.10% | -5.46% | -1.59% | -0.99% | 1.45% | 4.77% | -4.29% | -1.27% | -28 bps | |
| Loan Growth (YoY) | -3.26% | 2.05% | -0.49% | 2.41% | 3.45% | -2.89% | -0.81% | -0.36% | -277 bps | |
| Share Growth (YoY) | -4.26% | -7.77% | -2.44% | -1.91% | 0.81% | 4.22% | -5.78% | -4.28% | -236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 2.24% | 2.74% | 2.26% | 2.91% | 1.30% | 0.38% | 0.12% | -214 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 | 0.75% | 0.75% | 0.82% | 0.79% | 0.83% | 0.60% | 0.66% | 0.66% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 12.81% | 12.43% | 13.05% | 13.07% | 12.84% | 13.74% | 13.96% | +91 bps | |
| Net Worth / Assets | 12.59% | 12.81% | 12.43% | 13.05% | 13.07% | 12.84% | 13.74% | 13.96% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.04% | 74.99% | 67.27% | 74.46% | 72.90% | 69.87% | 70.82% | 77.50% | +304 bps | |
| Liquid Assets / Assets | 31.45% | 28.38% | 33.98% | 28.44% | 30.69% | 33.54% | 31.95% | 27.99% | -45 bps | |