Delavan, WI · Charter 66741
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.47% | 0.13% | -0.27% | -6.81% | -2.68% | -2.82% | -2.76% | -250 bps | |
| Return on Equity | 1.27% | 1.79% | 0.51% | -0.88% | -25.75% | -10.15% | -10.92% | -10.21% | -933 bps | |
| Net Interest Margin | 4.98% | 4.62% | 4.48% | 5.21% | 3.51% | 3.12% | 3.06% | 3.18% | -203 bps | |
| Efficiency Ratio | 79.75% | 90.17% | 92.65% | 97.77% | 164.96% | 106.69% | 110.36% | 123.61% | +2,584 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.12% | -4.13% | -1.83% | -4.41% | -6.31% | -8.24% | -8.84% | 2.15% | +656 bps | |
| Loan Growth (YoY) | -28.29% | -26.78% | -36.04% | -30.25% | -30.40% | -27.49% | -30.63% | -31.81% | -156 bps | |
| Share Growth (YoY) | -6.35% | -3.91% | -0.49% | -5.30% | -8.67% | -9.02% | -8.97% | 5.24% | +1,054 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.31% | 2.85% | 2.95% | 2.66% | 2.75% | 0.44% | 0.42% | -253 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 | 1.49% | 2.14% | 2.38% | 2.88% | 2.00% | 2.59% | 1.56% | 1.48% | -139 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.71% | 25.93% | 25.79% | 30.47% | 26.46% | 26.42% | 25.82% | 27.06% | -340 bps | |
| Net Worth / Assets | 26.71% | 25.93% | 25.79% | 30.47% | 26.46% | 26.42% | 25.82% | 27.06% | -340 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.97% | 80.87% | 73.19% | 90.33% | 67.79% | 64.45% | 55.78% | 58.53% | -3,180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |