Stevens Point, WI · Charter 66570
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 | 0.28% | 0.19% | 0.32% | 0.32% | 1.80% | 1.30% | 0.96% | 1.04% | +72 bps | |
| Return on Equity | 2.09% | 1.56% | 2.39% | 2.29% | 12.94% | 9.50% | 6.66% | 6.54% | +426 bps | |
| Net Interest Margin | 3.17% | 2.85% | 3.12% | 3.24% | 3.04% | 3.08% | 3.25% | 3.50% | +27 bps | |
| Efficiency Ratio | 91.94% | 93.93% | 90.75% | 91.11% | 65.87% | 71.34% | 78.13% | 77.45% | -1,366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.67% | 7.34% | 2.74% | -8.17% | 1.20% | -4.66% | -1.77% | -6.08% | +209 bps | |
| Loan Growth (YoY) | -4.58% | 3.14% | 7.44% | 6.69% | 13.72% | 13.94% | 3.58% | 7.19% | +50 bps | |
| Share Growth (YoY) | 9.49% | 9.08% | 0.86% | -7.28% | 0.56% | -6.26% | 1.77% | -8.28% | -99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 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 | 0.28% | 0.26% | 0.25% | 0.25% | 0.24% | 0.23% | 0.24% | 0.23% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.35% | 12.24% | 13.40% | 13.98% | 13.88% | 13.69% | 14.43% | 15.93% | +195 bps | |
| Net Worth / Assets | 13.35% | 12.24% | 13.40% | 13.98% | 13.88% | 13.69% | 14.43% | 15.93% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.67% | 40.44% | 48.89% | 48.60% | 48.26% | 49.16% | 49.75% | 56.80% | +820 bps | |
| Liquid Assets / Assets | 22.45% | 19.43% | 18.69% | 20.19% | 18.52% | 32.18% | 33.99% | 30.82% | +1,063 bps | |