Pewaukee, WI · Charter 66554
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 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.
Pewaukee, WI · Charter 66554
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 0.91% | 0.53% | 0.54% | -0.98% | -0.82% | -0.52% | -3.75% | -430 bps | |
| Return on Equity | 15.05% | 9.65% | 5.77% | 5.47% | -10.09% | -8.54% | -5.48% | -57.91% | -6,338 bps | |
| Net Interest Margin | 3.86% | 3.57% | 3.45% | 3.63% | 3.08% | 3.27% | 3.09% | 3.20% | -43 bps | |
| Efficiency Ratio | 65.60% | 72.06% | 77.00% | 77.88% | 104.52% | 89.89% | 92.32% | 171.14% | +9,326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.95% | 7.67% | 11.46% | 3.42% | 4.67% | -4.57% | -6.50% | -3.20% | -661 bps | |
| Loan Growth (YoY) | 15.95% | 21.40% | 23.49% | 9.40% | 1.29% | -4.73% | -9.19% | -5.02% | -1,442 bps | |
| Share Growth (YoY) | 1.69% | -5.28% | 7.65% | 4.79% | 5.37% | 8.31% | -1.58% | -3.00% | -779 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.72% | 1.45% | 1.50% | 1.05% | 1.74% | 0.62% | 0.43% | -106 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 | 0.88% | 0.79% | 0.89% | 0.83% | 0.91% | 1.23% | 0.98% | 1.01% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.28% | 9.48% | 9.12% | 9.96% | 9.75% | 9.59% | 9.48% | 6.48% | -348 bps | |
| Net Worth / Assets | 10.28% | 9.48% | 9.12% | 9.96% | 9.75% | 9.59% | 9.48% | 6.48% | -348 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.50% | 92.81% | 86.29% | 85.56% | 80.26% | 81.64% | 79.62% | 83.78% | -178 bps | |
| Liquid Assets / Assets | 2.82% | 1.03% | 4.66% | 2.27% | 4.77% | 0.00% | 0.00% | 0.00% | -227 bps | |