Stevens Point, WI · Charter 66749
Q4 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.74% | 0.68% | 0.75% | 1.38% | 0.97% | 0.88% | 0.04% | -70 bps | |
| Return on Equity | 5.23% | 4.82% | 4.37% | 4.72% | 9.20% | 6.53% | 5.89% | 0.30% | -442 bps | |
| Net Interest Margin | 3.97% | 3.99% | 4.10% | 4.21% | 4.57% | 4.48% | 4.54% | 4.67% | +46 bps | |
| Efficiency Ratio | 86.80% | 84.54% | 86.30% | 85.33% | 74.69% | 80.05% | 82.53% | 96.32% | +1,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | 1.63% | 4.10% | 4.32% | 9.89% | 9.47% | 11.14% | 9.45% | +513 bps | |
| Loan Growth (YoY) | -0.86% | -1.59% | -0.79% | 7.78% | 9.40% | 5.04% | 9.48% | 4.52% | -326 bps | |
| Share Growth (YoY) | -2.49% | 0.75% | 3.41% | 2.54% | 6.89% | 7.25% | 5.78% | 9.22% | +669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.93% | 0.59% | 1.54% | 0.72% | 1.08% | 1.26% | 1.43% | -11 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 | 0.35% | 0.47% | 0.46% | 0.42% | 0.45% | 0.51% | 0.46% | 0.55% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.59% | 15.32% | 15.63% | 15.83% | 15.04% | 14.82% | 14.93% | 14.51% | -132 bps | |
| Net Worth / Assets | 15.59% | 15.32% | 15.63% | 15.83% | 15.04% | 14.82% | 14.93% | 14.51% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.08% | 94.12% | 96.42% | 102.92% | 98.34% | 92.18% | 99.79% | 98.49% | -443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |