Green Bay, WI · Charter 66668
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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 66668
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.82% | 1.92% | 1.31% | 3.67% | 1.83% | 2.82% | 2.41% | +110 bps | |
| Return on Equity | 11.61% | 10.11% | 12.42% | 7.41% | 20.45% | 9.89% | 12.56% | 9.85% | +244 bps | |
| Net Interest Margin | 2.79% | 2.02% | 2.15% | 1.71% | 4.72% | 2.65% | 3.44% | 3.22% | +151 bps | |
| Efficiency Ratio | 29.67% | 29.60% | 23.32% | 33.93% | 23.64% | 31.12% | 18.77% | 26.07% | -786 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.46% | -24.18% | -11.89% | 2.08% | -0.99% | -8.44% | -16.37% | -18.79% | -2,087 bps | |
| Loan Growth (YoY) | 8.03% | 19.51% | 23.38% | 23.27% | 88.57% | 36.83% | 16.53% | -76.68% | -9,995 bps | |
| Share Growth (YoY) | -24.87% | -27.99% | -17.41% | -2.70% | -4.89% | -11.47% | -18.63% | -20.34% | -1,764 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.63% | 2.54% | 2.24% | 66.84% | 41.09% | 0.00% | 28.79% | 0.00% | -6,684 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 | 4.17% | 3.39% | 2.99% | 3.20% | 1.45% | 2.19% | 2.27% | 12.25% | +905 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.92% | 17.99% | 15.44% | 17.69% | 17.96% | 18.46% | 22.43% | 24.44% | +676 bps | |
| Net Worth / Assets | 16.92% | 17.99% | 15.44% | 17.69% | 17.96% | 18.46% | 22.43% | 24.44% | +676 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.93% | 28.21% | 30.70% | 31.28% | 45.46% | 43.60% | 43.96% | 9.16% | -2,213 bps | |
| Liquid Assets / Assets | 78.95% | 76.87% | 70.00% | 75.88% | 61.94% | 0.00% | 0.00% | 0.00% | -7,588 bps | |