Racine, WI · Charter 66600
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.00% | -0.44% | -0.23% | -0.22% | -0.12% | -0.51% | -0.76% | -53 bps | |
| Return on Equity | 0.46% | 0.00% | -2.56% | -1.29% | -1.27% | -0.66% | -2.76% | -4.14% | -285 bps | |
| Net Interest Margin | 4.60% | 4.60% | 4.32% | 4.42% | 4.52% | 4.64% | 4.75% | 4.68% | +26 bps | |
| Efficiency Ratio | 98.55% | 100.00% | 109.02% | 104.59% | 104.49% | 102.34% | 109.58% | 114.68% | +1,009 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.71% | 2.64% | -4.38% | -8.87% | -8.87% | -10.32% | -8.22% | -6.26% | +261 bps | |
| Loan Growth (YoY) | -4.05% | 2.61% | -0.97% | -9.90% | -11.27% | -11.21% | -8.12% | -8.71% | +120 bps | |
| Share Growth (YoY) | -12.21% | -7.67% | -14.14% | -5.78% | -0.78% | -0.57% | -0.94% | -7.37% | -159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.40% | 1.22% | 1.40% | 1.23% | 1.22% | 1.18% | 1.27% | -14 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% | 0.55% | 0.58% | 0.59% | 0.60% | 0.62% | 0.63% | 0.65% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.22% | 16.52% | 17.03% | 17.63% | 17.57% | 18.30% | 18.42% | 18.43% | +79 bps | |
| Net Worth / Assets | 16.22% | 16.52% | 17.03% | 17.63% | 17.57% | 18.30% | 18.42% | 18.43% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 129.67% | 132.04% | 126.85% | 117.70% | 115.95% | 117.91% | 117.66% | 116.00% | -169 bps | |
| Liquid Assets / Assets | 0.96% | 1.51% | 3.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |