Platteville, WI · Charter 66561
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Platteville, WI · Charter 66561
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.56% | 0.17% | 0.16% | 0.23% | 0.24% | 0.49% | 0.52% | +36 bps | |
| Return on Equity | 5.00% | 4.33% | 1.37% | 1.22% | 1.71% | 1.74% | 3.80% | 1.63% | +42 bps | |
| Net Interest Margin | 3.89% | 4.02% | 3.68% | 3.82% | 3.98% | 4.11% | 3.60% | 8.26% | +444 bps | |
| Efficiency Ratio | 85.12% | 86.19% | 83.97% | 86.81% | 88.15% | 88.18% | 86.08% | 98.90% | +1,209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.63% | -7.41% | -0.54% | -5.69% | -4.27% | -4.31% | -2.47% | -58.78% | -5,309 bps | |
| Loan Growth (YoY) | -4.49% | -1.86% | -0.12% | 3.34% | 0.80% | 0.69% | 0.36% | -92.59% | -9,594 bps | |
| Share Growth (YoY) | -6.13% | -6.43% | -0.96% | -6.81% | -5.39% | -5.62% | -3.46% | -100.00% | -9,319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.75% | 0.66% | 1.85% | 2.55% | 2.00% | 2.01% | 0.00% | -185 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 | 0.45% | 0.37% | 0.10% | 0.31% | 0.34% | 0.33% | 0.33% | 0.00% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.99% | 12.31% | 12.88% | 13.29% | 13.81% | 12.93% | 31.88% | +1,899 bps | |
| Net Worth / Assets | 12.48% | 12.99% | 12.31% | 12.88% | 13.29% | 13.81% | 12.93% | 31.88% | +1,899 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.20% | 67.37% | 63.63% | 67.00% | 69.46% | 71.87% | 66.15% | n/a | n/a | |
| Liquid Assets / Assets | 16.33% | 23.37% | 28.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |