Green Bay, WI · Charter 66659
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.44% | -0.58% | 0.38% | -1.23% | -0.87% | -3.87% | 0.73% | +34 bps | |
| Return on Equity | 5.31% | 4.06% | -4.90% | 3.26% | -11.02% | -7.01% | -38.94% | 7.54% | +428 bps | |
| Net Interest Margin | 4.88% | 4.50% | 5.23% | 5.01% | 2.44% | 5.36% | 5.64% | 4.83% | -18 bps | |
| Efficiency Ratio | 74.37% | 78.80% | 87.49% | 92.40% | 92.05% | 84.09% | 83.32% | 75.54% | -1,685 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -30.82% | -11.67% | -18.00% | -17.72% | -14.14% | -23.69% | -14.91% | -11.43% | +629 bps | |
| Loan Growth (YoY) | -16.59% | -10.00% | -11.36% | -9.39% | -1.91% | -4.14% | -3.92% | -8.45% | +94 bps | |
| Share Growth (YoY) | -33.12% | -11.97% | -19.57% | -19.16% | -14.54% | -25.13% | -13.14% | -9.38% | +978 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.98% | 11.29% | 7.20% | 6.21% | 6.85% | 6.45% | 7.83% | 6.28% | +7 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 | 4.45% | 4.13% | 3.54% | 3.89% | 2.93% | 3.54% | 4.11% | 4.75% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.11% | 10.77% | 11.75% | 11.74% | 11.20% | 12.40% | 9.94% | 9.64% | -210 bps | |
| Net Worth / Assets | 11.11% | 10.77% | 11.75% | 11.74% | 11.20% | 12.40% | 9.94% | 9.64% | -210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.20% | 85.05% | 96.19% | 91.25% | 100.09% | 108.89% | 106.39% | 92.18% | +93 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |