Racine, WI · Charter 66714
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.21% | -1.43% | -3.95% | 0.40% | 0.18% | 0.15% | 0.08% | 0.06% | -35 bps | |
| Return on Equity | -20.12% | -12.79% | -48.13% | 4.59% | 2.13% | 1.78% | 0.97% | 0.70% | -388 bps | |
| Net Interest Margin | 3.18% | 3.27% | 3.20% | 3.52% | 3.36% | 3.05% | 2.96% | 2.97% | -55 bps | |
| Efficiency Ratio | 73.17% | 78.75% | 81.90% | 87.28% | 88.86% | 91.62% | 93.55% | 93.15% | +588 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.38% | 7.33% | 10.34% | -8.86% | -1.16% | -0.09% | 0.40% | 8.14% | +1,700 bps | |
| Loan Growth (YoY) | 38.91% | 37.91% | 38.13% | 33.34% | 19.16% | 11.27% | 6.13% | 4.68% | -2,866 bps | |
| Share Growth (YoY) | 24.37% | 13.01% | 12.06% | 1.21% | -2.53% | 3.30% | 4.66% | 9.07% | +786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.43% | 0.79% | 0.40% | 0.80% | 0.82% | 0.85% | 0.60% | +20 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 | 5.07% | 4.76% | 0.57% | 0.51% | 0.42% | 0.46% | 0.51% | 0.43% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.96% | 11.19% | 8.20% | 8.79% | 8.38% | 8.36% | 8.25% | 8.12% | -67 bps | |
| Net Worth / Assets | 10.96% | 11.19% | 8.20% | 8.79% | 8.38% | 8.36% | 8.25% | 8.12% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.24% | 78.84% | 81.37% | 82.78% | 89.54% | 84.92% | 82.51% | 79.45% | -333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |