Manitowoc, WI · Charter 66551
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.
Manitowoc, WI · Charter 66551
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 | -0.04% | 0.31% | 0.36% | 0.79% | 0.84% | 0.99% | 0.92% | -91.24% | -9,203 bps | |
| Return on Equity | -0.11% | 0.91% | 0.97% | 2.19% | 2.31% | 2.66% | 2.28% | -514% | -51,627 bps | |
| Net Interest Margin | 3.98% | 3.96% | 4.35% | 4.45% | 4.46% | 4.64% | 5.02% | -86.95% | -9,140 bps | |
| Efficiency Ratio | 92.58% | 83.33% | 82.84% | 75.50% | 75.45% | 72.95% | 74.85% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.73% | 5.13% | 3.40% | 3.47% | -1.48% | -5.31% | -5.89% | -9.28% | -1,275 bps | |
| Loan Growth (YoY) | 2.51% | -5.99% | -7.92% | -10.58% | -8.38% | -6.42% | -4.13% | 1.94% | +1,253 bps | |
| Share Growth (YoY) | 5.43% | 7.51% | 5.09% | 4.63% | -3.34% | -9.34% | -11.03% | -15.94% | -2,057 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.99% | 3.29% | 0.31% | 0.00% | 1.55% | 0.00% | 2.40% | 2.77% | +277 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 | 2.30% | 2.27% | 2.53% | 2.87% | 2.74% | 2.90% | 3.10% | 3.22% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.01% | 34.34% | 37.26% | 36.15% | 36.33% | 37.11% | 40.51% | 17.75% | -1,841 bps | |
| Net Worth / Assets | 35.01% | 34.34% | 37.26% | 36.15% | 36.33% | 37.11% | 40.51% | 17.75% | -1,841 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.73% | 78.24% | 87.18% | 76.42% | 79.36% | 80.75% | 93.93% | 92.68% | +1,626 bps | |
| Liquid Assets / Assets | 44.70% | 47.59% | 44.41% | 50.30% | 48.64% | 48.40% | 43.63% | 44.72% | -558 bps | |