Neenah, WI · Charter 66567
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Neenah, WI · Charter 66567
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.46% | 0.44% | 0.45% | 0.42% | 0.09% | 0.42% | -3.05% | -349 bps | |
| Return on Equity | 0.62% | 3.44% | 3.22% | 3.07% | 2.75% | 0.61% | 2.90% | -24.56% | -2,763 bps | |
| Net Interest Margin | 4.05% | 4.23% | 4.37% | 4.60% | 4.38% | 4.27% | 4.42% | 2.85% | -175 bps | |
| Efficiency Ratio | 98.20% | 88.28% | 88.81% | 89.28% | 91.42% | 74.10% | 76.07% | 170.48% | +8,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.25% | -11.56% | -12.09% | -11.42% | -13.20% | -4.17% | -2.01% | -6.07% | +534 bps | |
| Loan Growth (YoY) | -7.73% | 2.29% | -1.60% | -2.23% | -0.09% | -1.28% | 11.99% | 14.41% | +1,664 bps | |
| Share Growth (YoY) | -11.73% | -13.45% | -14.02% | -13.74% | -15.76% | -5.03% | -2.76% | -3.54% | +1,020 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.81% | 1.81% | 1.80% | 2.75% | 0.66% | 0.21% | 0.16% | -164 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 | 0.94% | 0.95% | 1.04% | 1.09% | 1.12% | 0.30% | 0.29% | 0.34% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.70% | 13.42% | 13.73% | 14.52% | 15.17% | 14.24% | 14.42% | 12.41% | -211 bps | |
| Net Worth / Assets | 12.70% | 13.42% | 13.73% | 14.52% | 15.17% | 14.24% | 14.42% | 12.41% | -211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.82% | 91.64% | 87.73% | 91.31% | 93.48% | 95.25% | 101.03% | 108.30% | +1,699 bps | |
| Liquid Assets / Assets | 27.49% | 16.91% | 20.46% | 17.98% | 16.66% | 13.78% | 9.14% | 3.95% | -1,403 bps | |