Janesville, WI · Charter 66560
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.28% | 0.10% | -0.31% | -0.59% | -0.77% | -0.78% | -0.86% | -55 bps | |
| Return on Equity | 1.66% | 2.15% | 0.72% | -2.31% | -4.72% | -6.31% | -6.81% | -7.84% | -553 bps | |
| Net Interest Margin | 3.50% | 3.68% | 3.99% | 3.50% | 3.31% | 2.85% | 2.68% | 2.57% | -93 bps | |
| Efficiency Ratio | 76.93% | 81.19% | 85.51% | 106.72% | 106.62% | 123.04% | 123.80% | 126.78% | +2,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.42% | 9.50% | 6.13% | 3.21% | -3.16% | -0.93% | 13.10% | 12.30% | +909 bps | |
| Loan Growth (YoY) | 3.35% | 3.54% | 5.96% | -6.09% | -18.53% | -26.64% | -23.45% | -8.73% | -263 bps | |
| Share Growth (YoY) | 13.53% | 10.93% | 6.55% | 2.26% | -4.19% | -1.27% | 16.29% | 16.18% | +1,392 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.86% | 0.82% | 1.30% | 1.21% | 0.86% | 1.59% | 1.30% | 0 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 | 0.55% | 0.57% | 0.57% | 0.64% | 0.68% | 0.48% | 0.41% | 0.34% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.56% | 13.01% | 14.04% | 13.57% | 12.51% | 12.27% | 11.50% | 10.99% | -258 bps | |
| Net Worth / Assets | 12.56% | 13.01% | 14.04% | 13.57% | 12.51% | 12.27% | 11.50% | 10.99% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.05% | 44.76% | 50.54% | 45.24% | 38.30% | 33.26% | 33.27% | 35.54% | -970 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |