PackageTrendsPeer
Letter portraitLegal landscape

Shawano Paper Mills Employees

Shawano, WI · Charter 66601

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Shawano Paper Mills Employees

Shawano, WI · Charter 66601

Q3 2008

$1.6MAssets
$635KLoans
$1.2MShares
$408KNet Worth

Executive Summary

  • Earnings: ROA of -0.54%, down 101 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 2.04% of loans (+163 bps YoY).
  • Capital: net worth / assets of 25.63%, down 200 bps from a year ago.
  • Funding: loans stand at 53.66% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

-0.54%-101 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-115 bps YoY

Efficiency Ratio (YTD, annualized)

116.69%+3,278 bps YoY

Net Worth / Assets

25.63%-200 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.82%0.15%0.13%0.47%0.11%0.62%-0.42%-0.54%-101 bps
Return on Equity2.93%0.55%0.47%1.70%0.40%2.33%-1.60%-2.10%-380 bps
Net Interest Margin4.53%4.16%4.26%4.35%3.90%4.01%3.44%3.21%-115 bps
Efficiency Ratio76.83%90.77%91.00%83.90%91.79%84.65%112.09%116.69%+3,278 bps
Growth
Asset Growth (YoY)-10.99%-6.29%-6.10%-1.99%3.51%4.62%5.32%5.19%+718 bps
Loan Growth (YoY)-14.30%-14.18%-14.01%-4.33%-10.22%-10.58%-16.11%-25.40%-2,107 bps
Share Growth (YoY)-15.44%-9.21%-8.86%-3.40%4.73%6.06%7.59%8.10%+1,149 bps
Asset Quality
Delinquent Loans / Loans1.22%1.16%1.08%0.41%2.03%2.15%2.05%2.04%+163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.11%2.34%2.42%2.51%2.89%3.80%3.96%4.38%+187 bps
Capital
Risk-Based Capital27.93%27.48%27.62%27.62%27.09%26.49%26.06%25.63%-200 bps
Net Worth / Assets27.93%27.48%27.62%27.62%27.09%26.49%26.06%25.63%-200 bps
Liquidity & Funding
Loans / Shares80.56%75.01%77.21%77.76%69.06%63.25%60.20%53.66%-2,410 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps