Racine, WI · Charter 66694
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Racine, WI · Charter 66694
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.20% | 0.08% | -0.40% | -0.08% | -0.05% | 0.10% | -0.70% | -30 bps | |
| Return on Equity | 0.26% | 1.80% | 0.64% | -3.55% | -0.65% | -0.39% | 0.77% | -5.63% | -208 bps | |
| Net Interest Margin | 3.99% | 4.12% | 4.29% | 3.76% | 4.18% | 4.22% | 4.76% | 4.43% | +67 bps | |
| Efficiency Ratio | 99.38% | 95.76% | 98.47% | 109.18% | 101.58% | 100.94% | 98.20% | 114.19% | +501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.22% | -10.55% | -8.29% | -2.78% | -7.57% | -4.41% | -6.55% | -9.72% | -694 bps | |
| Loan Growth (YoY) | 0.23% | 0.59% | -0.17% | 8.99% | 9.15% | 11.68% | 0.16% | -8.90% | -1,789 bps | |
| Share Growth (YoY) | -9.45% | -11.75% | -9.32% | -3.48% | -8.50% | -5.11% | -7.52% | -10.54% | -707 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.06% | 0.35% | 0.30% | 0.56% | 0.33% | 0.29% | 0.28% | -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 | 1.21% | 1.17% | 1.14% | 1.08% | 1.11% | 1.05% | 1.13% | 1.18% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.97% | 11.32% | 11.91% | 11.23% | 11.89% | 11.72% | 12.84% | 12.47% | +124 bps | |
| Net Worth / Assets | 10.97% | 11.32% | 11.91% | 11.23% | 11.89% | 11.72% | 12.84% | 12.47% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.13% | 64.39% | 70.98% | 70.83% | 72.93% | 75.78% | 76.88% | 72.12% | +130 bps | |
| Liquid Assets / Assets | 26.55% | 11.28% | 30.18% | 30.76% | 0.00% | 0.00% | 0.00% | 0.00% | -3,076 bps | |