Elm Grove, WI · Charter 66655
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.17% | 0.36% | 0.25% | 0.23% | -0.43% | -31.55% | -15.39% | -1,564 bps | |
| Return on Equity | 2.01% | 2.09% | 4.50% | 3.32% | 2.93% | -5.96% | -10522% | -1913% | -191,619 bps | |
| Net Interest Margin | 2.54% | 2.71% | 2.77% | 2.71% | 2.80% | 2.77% | 1.83% | 1.91% | -80 bps | |
| Efficiency Ratio | 88.79% | 89.85% | 84.06% | 86.96% | 86.80% | 108.51% | 120.97% | 80.67% | -629 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.17% | -5.32% | -6.08% | -0.31% | -1.82% | 3.36% | -8.44% | -16.39% | -1,608 bps | |
| Loan Growth (YoY) | 8.61% | 15.26% | 18.85% | 17.66% | 0.93% | 1.42% | -1.33% | -0.71% | -1,836 bps | |
| Share Growth (YoY) | -1.44% | -6.09% | -7.01% | -5.01% | -3.08% | 4.42% | -0.34% | -5.91% | -90 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.45% | 0.42% | 0.26% | 0.27% | 0.22% | 0.20% | 0.13% | -13 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 | 0.58% | 0.45% | 0.46% | 0.43% | 0.54% | 0.44% | 11.42% | 10.69% | +1,026 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.51% | 7.98% | 8.03% | 7.66% | 7.87% | 7.28% | 0.30% | 0.80% | -685 bps | |
| Net Worth / Assets | 7.51% | 7.98% | 8.03% | 7.66% | 7.87% | 7.28% | 0.30% | 0.80% | -685 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.16% | 67.83% | 66.08% | 68.25% | 64.73% | 65.88% | 65.43% | 72.03% | +378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |