Green Bay, WI · Charter 66648
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.
Green Bay, WI · Charter 66648
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 | 0.59% | 0.87% | 0.64% | 0.51% | 0.10% | -0.37% | -2.95% | -4.97% | -548 bps | |
| Return on Equity | 5.83% | 8.15% | 5.67% | 4.49% | 0.89% | -2.92% | -26.33% | -49.56% | -5,405 bps | |
| Net Interest Margin | 3.93% | 3.84% | 3.78% | 3.77% | 3.79% | 3.87% | 3.81% | 4.02% | +24 bps | |
| Efficiency Ratio | 64.41% | 72.88% | 76.96% | 78.45% | 78.34% | 99.81% | 107.96% | 173.14% | +9,469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | -1.03% | -6.09% | -14.57% | -10.10% | -16.68% | -12.78% | -18.96% | -439 bps | |
| Loan Growth (YoY) | 15.98% | -1.28% | -15.67% | -18.39% | -29.01% | -26.29% | -12.60% | -23.45% | -506 bps | |
| Share Growth (YoY) | -1.82% | -1.69% | -5.29% | -4.94% | -6.01% | -18.39% | -18.35% | -17.53% | -1,258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.21% | 2.70% | 3.40% | 3.70% | 2.89% | 2.74% | 0.80% | 4.96% | +125 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 | 1.39% | 1.64% | 1.78% | 1.83% | 2.06% | 1.04% | 1.36% | 1.48% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.20% | 10.69% | 11.30% | 11.42% | 11.45% | 12.59% | 11.22% | 10.02% | -140 bps | |
| Net Worth / Assets | 10.20% | 10.69% | 11.30% | 11.42% | 11.45% | 12.59% | 11.22% | 10.02% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.96% | 88.34% | 83.06% | 88.51% | 76.26% | 79.79% | 88.90% | 82.15% | -635 bps | |
| Liquid Assets / Assets | 9.25% | 16.66% | 20.21% | 15.68% | 26.34% | 16.64% | 0.00% | 0.00% | -1,568 bps | |