Green Bay, WI · Charter 66649
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 66649
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.23% | 0.56% | 0.60% | 0.02% | -13.70% | -5.26% | -4.16% | -476 bps | |
| Return on Equity | 6.65% | 3.03% | 7.42% | 7.77% | 0.22% | -259% | -91.65% | -77.36% | -8,513 bps | |
| Net Interest Margin | 3.60% | 3.50% | 3.38% | 3.50% | 3.62% | 4.16% | 3.52% | 3.75% | +25 bps | |
| Efficiency Ratio | 83.98% | 94.02% | 85.57% | 84.84% | 83.37% | 83.54% | 69.41% | 76.01% | -883 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.45% | 1.64% | 0.77% | 3.13% | 4.60% | -13.72% | -13.38% | -14.56% | -1,769 bps | |
| Loan Growth (YoY) | -4.44% | -16.22% | -12.83% | 22.47% | 6.29% | -3.84% | 1.04% | -10.37% | -3,284 bps | |
| Share Growth (YoY) | 3.60% | -2.84% | -7.94% | -8.04% | -5.03% | -7.37% | -8.06% | -6.98% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.20% | 0.37% | 0.33% | 0.85% | 1.00% | 1.00% | 1.36% | +102 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 | 1.84% | 1.97% | 2.00% | 1.78% | 2.57% | 4.86% | 4.70% | 4.96% | +318 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.71% | 7.55% | 7.51% | 7.69% | 7.39% | 5.28% | 5.74% | 5.38% | -232 bps | |
| Net Worth / Assets | 7.71% | 7.55% | 7.51% | 7.69% | 7.39% | 5.28% | 5.74% | 5.38% | -232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.68% | 79.97% | 78.35% | 90.87% | 93.65% | 83.01% | 86.11% | 87.56% | -331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |