Milwaukee, WI · Charter 66661
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.04% | 0.08% | 0.07% | 0.14% | 0.07% | 0.06% | 0.06% | -1 bps | |
| Return on Equity | 2.32% | 0.37% | 0.63% | 0.57% | 1.12% | 0.54% | 0.46% | 0.46% | -11 bps | |
| Net Interest Margin | 3.33% | 3.13% | 3.25% | 3.20% | 3.32% | 3.42% | 3.42% | 3.27% | +7 bps | |
| Efficiency Ratio | 91.98% | 98.62% | 97.59% | 97.81% | 95.75% | 97.93% | 98.25% | 98.22% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.40% | -4.64% | -9.83% | -9.33% | -6.04% | -9.38% | -4.15% | -0.95% | +838 bps | |
| Loan Growth (YoY) | -5.06% | -2.11% | 2.21% | -3.18% | -4.17% | -5.72% | -17.79% | -15.75% | -1,257 bps | |
| Share Growth (YoY) | -12.97% | -5.41% | -11.24% | -10.89% | -7.15% | -10.78% | -4.57% | -0.64% | +1,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.82% | 5.25% | 5.07% | 4.61% | 6.35% | 2.95% | 4.79% | 2.57% | -204 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 | 1.93% | 2.01% | 1.84% | 1.94% | 2.01% | 2.13% | 2.24% | 2.30% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 11.77% | 12.46% | 12.49% | 12.73% | 13.14% | 13.11% | 12.70% | +21 bps | |
| Net Worth / Assets | 11.83% | 11.77% | 12.46% | 12.49% | 12.73% | 13.14% | 13.11% | 12.70% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.87% | 56.11% | 65.37% | 62.26% | 60.75% | 59.30% | 56.31% | 52.79% | -947 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |