Port Edwards, WI · Charter 66673
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.30% | 0.34% | 0.36% | 0.35% | 0.14% | 0.17% | 0.19% | -17 bps | |
| Return on Equity | 3.85% | 2.32% | 2.54% | 2.87% | 2.61% | 1.16% | 1.39% | 1.44% | -144 bps | |
| Net Interest Margin | 3.72% | 3.57% | 3.58% | 3.38% | 3.50% | 3.13% | 3.24% | 3.39% | +1 bps | |
| Efficiency Ratio | 85.61% | 92.63% | 91.80% | 90.69% | 91.43% | 96.05% | 95.41% | 95.30% | +461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | -2.32% | -7.46% | 2.46% | 1.56% | 7.79% | 7.57% | -2.26% | -473 bps | |
| Loan Growth (YoY) | 2.56% | 3.29% | 1.38% | 8.56% | 0.09% | 1.01% | 1.43% | -3.42% | -1,199 bps | |
| Share Growth (YoY) | -0.50% | -3.32% | -8.65% | -3.95% | 1.47% | 8.86% | 11.70% | 4.18% | +813 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.14% | 0.23% | 0.11% | 0.21% | 0.17% | 0.12% | 0.10% | -2 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 | 0.71% | 0.67% | 0.60% | 0.51% | 0.48% | 0.48% | 0.45% | 0.43% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.15% | 13.12% | 13.26% | 12.59% | 13.29% | 12.46% | 12.59% | 13.08% | +49 bps | |
| Net Worth / Assets | 13.15% | 13.12% | 13.26% | 12.59% | 13.29% | 12.46% | 12.59% | 13.08% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.68% | 81.84% | 86.01% | 88.20% | 81.56% | 75.93% | 78.10% | 81.77% | -644 bps | |
| Liquid Assets / Assets | 6.77% | 8.23% | 8.04% | 9.24% | 9.26% | 14.21% | 0.00% | 0.00% | -924 bps | |