Fort Atkinson, WI · Charter 66744
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Fort Atkinson, WI · Charter 66744
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.66% | 0.87% | -1.21% | 0.98% | 1.62% | 0.79% | 0.28% | +149 bps | |
| Return on Equity | 2.59% | 2.66% | 3.40% | -4.92% | 3.87% | 6.61% | 3.13% | 1.13% | +605 bps | |
| Net Interest Margin | 3.76% | 3.79% | 4.31% | 4.34% | 4.32% | 4.85% | 4.33% | 4.79% | +45 bps | |
| Efficiency Ratio | 83.37% | 82.72% | 79.79% | 82.80% | 65.05% | 61.23% | 72.47% | 94.60% | +1,180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | -4.44% | -3.94% | -2.69% | -1.93% | 5.39% | 3.92% | 2.07% | +475 bps | |
| Loan Growth (YoY) | 4.04% | 0.00% | 0.46% | 4.91% | 1.82% | -0.09% | -2.09% | -6.24% | -1,116 bps | |
| Share Growth (YoY) | -1.10% | -6.79% | -6.37% | -4.37% | -3.89% | 5.43% | 3.92% | 1.20% | +557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.37% | 1.64% | 0.64% | 0.78% | 2.85% | 5.09% | 2.23% | +159 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 | 1.43% | 1.45% | 1.53% | 1.46% | 1.36% | 1.40% | 1.39% | 1.46% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.76% | 24.74% | 25.56% | 24.58% | 25.25% | 24.56% | 25.38% | 25.24% | +66 bps | |
| Net Worth / Assets | 23.76% | 24.74% | 25.56% | 24.58% | 25.25% | 24.56% | 25.38% | 25.24% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.52% | 106.87% | 107.89% | 105.28% | 108.62% | 101.28% | 101.64% | 97.54% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |