Waupun, WI · Charter 66768
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
Waupun, WI · Charter 66768
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.93% | 1.51% | -0.80% | -7.96% | -4.21% | -3.20% | 2.24% | +304 bps | |
| Return on Equity | 7.05% | 8.59% | 11.89% | -7.06% | -96.98% | -46.80% | -28.79% | 18.32% | +2,538 bps | |
| Net Interest Margin | 6.18% | 5.89% | 6.91% | 4.94% | 5.96% | 6.71% | 8.00% | 8.69% | +375 bps | |
| Efficiency Ratio | 85.44% | 83.17% | 78.24% | 116.17% | 98.87% | 83.23% | 81.07% | 74.20% | -4,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.05% | 21.03% | 6.99% | 14.41% | 2.08% | -5.27% | -11.62% | -23.38% | -3,780 bps | |
| Loan Growth (YoY) | 2.53% | -2.39% | -1.73% | -0.08% | -6.41% | -7.31% | -7.37% | -14.36% | -1,429 bps | |
| Share Growth (YoY) | 17.70% | 23.24% | 6.44% | 15.19% | 5.74% | -3.59% | -10.81% | -23.93% | -3,912 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.71% | 5.61% | 7.01% | 7.96% | 7.05% | 15.91% | 17.11% | 20.89% | +1,293 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 | 4.57% | 4.49% | 4.32% | 3.15% | 4.91% | 5.00% | 4.93% | 5.45% | +230 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.36% | 10.83% | 12.66% | 11.34% | 8.21% | 8.99% | 11.13% | 12.25% | +92 bps | |
| Net Worth / Assets | 11.36% | 10.83% | 12.66% | 11.34% | 8.21% | 8.99% | 11.13% | 12.25% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.08% | 77.53% | 90.61% | 78.13% | 73.53% | 74.54% | 94.11% | 87.96% | +982 bps | |
| Liquid Assets / Assets | 28.99% | 33.37% | 22.45% | 30.96% | 33.79% | 33.72% | 18.53% | 24.55% | -641 bps | |