Madison, WI · Charter 66690
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Madison, WI · Charter 66690
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.75% | -2.47% | 0.08% | 0.25% | 0.28% | 0.05% | -1.37% | -145 bps | |
| Return on Equity | 6.39% | 4.92% | -17.70% | 0.54% | 1.70% | 1.85% | 0.37% | -10.05% | -1,059 bps | |
| Net Interest Margin | 3.93% | 3.83% | 3.36% | 3.42% | 3.51% | 3.50% | 3.20% | 3.25% | -17 bps | |
| Efficiency Ratio | 79.10% | 83.78% | 86.18% | 72.08% | 75.44% | 78.37% | 95.49% | 138.61% | +6,653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 8.28% | 6.40% | 0.83% | 5.10% | 3.45% | 4.01% | 1.92% | +109 bps | |
| Loan Growth (YoY) | -3.63% | -0.92% | -4.32% | -6.64% | -3.47% | -7.90% | -6.77% | -7.33% | -69 bps | |
| Share Growth (YoY) | 2.37% | 9.02% | 7.72% | 0.43% | 5.60% | 3.72% | 3.81% | 3.55% | +312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.27% | 0.00% | 0.00% | 0.63% | 0.81% | 0.40% | 0.52% | +52 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 | 0.83% | 0.81% | 0.73% | 0.80% | 0.82% | 0.87% | 0.69% | 0.41% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.48% | 15.16% | 13.96% | 14.69% | 14.94% | 14.93% | 14.30% | 13.62% | -107 bps | |
| Net Worth / Assets | 15.48% | 15.16% | 13.96% | 14.69% | 14.94% | 14.93% | 14.30% | 13.62% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.22% | 73.83% | 66.59% | 64.86% | 67.84% | 65.56% | 59.80% | 58.04% | -682 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |