Superior, WI · Charter 66576
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Superior, WI · Charter 66576
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.18% | 0.12% | 0.16% | 0.23% | 0.18% | -2.40% | -0.78% | -94 bps | |
| Return on Equity | 1.70% | 2.00% | 1.38% | 1.85% | 2.64% | 1.80% | -25.27% | -6.62% | -846 bps | |
| Net Interest Margin | 3.91% | 2.95% | 3.46% | 3.27% | 3.40% | 3.70% | 5.04% | 6.16% | +289 bps | |
| Efficiency Ratio | 95.50% | 94.06% | 96.50% | 95.22% | 88.49% | 95.08% | 87.08% | 74.47% | -2,075 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.96% | 23.77% | 18.35% | 21.54% | 22.00% | -11.52% | -15.06% | -30.09% | -5,163 bps | |
| Loan Growth (YoY) | 8.93% | 2.81% | 11.00% | 8.21% | 9.53% | -6.18% | -3.61% | -19.04% | -2,725 bps | |
| Share Growth (YoY) | 9.87% | 26.40% | 20.26% | 23.72% | 24.25% | -12.89% | -15.61% | -32.58% | -5,630 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.67% | 2.55% | 2.55% | 9.79% | 9.31% | 13.01% | 13.48% | +1,093 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 | 0.34% | 0.34% | 0.31% | 0.31% | 0.52% | 0.61% | 2.25% | 2.64% | +233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 8.81% | 8.89% | 8.56% | 8.80% | 10.22% | 9.48% | 11.81% | +326 bps | |
| Net Worth / Assets | 10.45% | 8.81% | 8.89% | 8.56% | 8.80% | 10.22% | 9.48% | 11.81% | +326 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.50% | 78.81% | 86.21% | 83.52% | 85.06% | 84.88% | 98.47% | 100.29% | +1,677 bps | |
| Liquid Assets / Assets | 12.38% | 27.11% | 20.31% | 22.53% | 21.47% | 22.70% | 0.00% | 0.00% | -2,253 bps | |