Madison, WI · Charter 66708
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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 66708
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 | -0.36% | 1.36% | 0.76% | -2.50% | -3.98% | -5.15% | -3.35% | -7.17% | -468 bps | |
| Return on Equity | -2.80% | 10.00% | 5.44% | -19.57% | -34.55% | -49.23% | -39.13% | -132.32% | -11,275 bps | |
| Net Interest Margin | 5.89% | 5.72% | 5.08% | 5.71% | 5.14% | 5.68% | 4.99% | 5.04% | -66 bps | |
| Efficiency Ratio | 100.88% | 77.86% | 85.59% | 108.13% | 137.15% | 180.38% | 162.00% | 318% | +20,999 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.19% | -18.01% | -11.29% | -18.30% | -16.32% | -16.37% | -1.08% | 0.60% | +1,890 bps | |
| Loan Growth (YoY) | -20.26% | -10.16% | -19.95% | -19.83% | -25.63% | -24.43% | -13.61% | -11.56% | +827 bps | |
| Share Growth (YoY) | -21.63% | -20.34% | -13.42% | -18.98% | -15.17% | -12.40% | 6.88% | 8.97% | +2,795 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.68% | 1.41% | 3.24% | 5.59% | 3.06% | 3.15% | 4.59% | +135 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 | 0.86% | 0.89% | 1.04% | 2.94% | 2.17% | 2.73% | 2.78% | 2.63% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.97% | 13.57% | 14.02% | 12.75% | 11.52% | 10.47% | 8.57% | 5.42% | -733 bps | |
| Net Worth / Assets | 12.97% | 13.57% | 14.02% | 12.75% | 11.52% | 10.47% | 8.57% | 5.42% | -733 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.69% | 106.92% | 95.50% | 95.56% | 94.42% | 92.23% | 77.19% | 77.55% | -1,801 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |