Fond Du Lac, WI · Charter 66759
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Fond Du Lac, WI · Charter 66759
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.15% | -0.94% | -0.24% | 0.03% | 0.03% | -0.01% | -26.53% | -2,629 bps | |
| Return on Equity | -0.54% | -0.54% | -3.76% | -0.91% | 0.11% | 0.10% | -0.03% | -172.36% | -17,146 bps | |
| Net Interest Margin | 1.89% | 2.28% | 2.27% | 2.71% | 3.06% | 3.55% | 3.30% | -23.30% | -2,601 bps | |
| Efficiency Ratio | 106.94% | 106.25% | 140.93% | 108.58% | 99.07% | 99.15% | 100.23% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.20% | 17.28% | 17.55% | 3.99% | -6.41% | -9.94% | -13.15% | -8.98% | -1,297 bps | |
| Loan Growth (YoY) | 13.35% | 7.71% | 24.10% | 18.51% | -3.30% | -5.98% | -20.96% | -18.69% | -3,721 bps | |
| Share Growth (YoY) | 16.91% | 25.78% | 25.45% | 5.82% | -8.54% | -13.74% | -17.90% | -12.54% | -1,836 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.95% | 0.00% | 0.00% | 0.22% | 0.00% | 0.00% | 6.64% | +664 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 | 5.72% | 5.64% | 5.09% | 5.65% | 5.92% | 6.00% | 6.44% | 6.95% | +130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.25% | 27.28% | 24.94% | 25.94% | 26.96% | 30.32% | 29.02% | 15.39% | -1,055 bps | |
| Net Worth / Assets | 25.25% | 27.28% | 24.94% | 25.94% | 26.96% | 30.32% | 29.02% | 15.39% | -1,055 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.53% | 37.81% | 37.45% | 35.38% | 35.44% | 41.21% | 36.05% | 32.89% | -249 bps | |
| Liquid Assets / Assets | 74.23% | 72.10% | 71.41% | 73.25% | 73.40% | 70.90% | 73.80% | 0.00% | -7,325 bps | |