La Crosse, WI · Charter 66769
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | -0.44% | -0.43% | -0.03% | 0.00% | -0.16% | -0.45% | -3 bps | |
| Return on Equity | -0.01% | 0.03% | -2.76% | -2.73% | -0.16% | 0.03% | -1.02% | -3.24% | -51 bps | |
| Net Interest Margin | 2.25% | 2.26% | 1.97% | 1.92% | 2.02% | 2.06% | 1.62% | 1.24% | -68 bps | |
| Efficiency Ratio | 100.09% | 99.80% | 122.20% | 79.33% | 75.24% | 73.34% | 109.60% | 125.05% | +4,572 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.63% | -2.37% | 3.11% | 4.68% | 5.18% | 9.73% | 8.32% | 10.25% | +557 bps | |
| Loan Growth (YoY) | 26.62% | 18.29% | 6.75% | -3.35% | -4.49% | -12.39% | -13.97% | -21.78% | -1,843 bps | |
| Share Growth (YoY) | 0.80% | -2.78% | 4.54% | 5.55% | 6.06% | 11.63% | 9.08% | 12.44% | +688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.67% | 0.16% | 0.20% | 0.18% | 0.75% | 1.07% | 0.54% | +34 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 | 3.84% | 3.82% | 2.55% | 2.66% | 2.61% | 2.83% | 2.96% | 3.40% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.77% | 17.33% | 15.87% | 15.58% | 15.95% | 15.80% | 15.21% | 13.98% | -161 bps | |
| Net Worth / Assets | 16.77% | 17.33% | 15.87% | 15.58% | 15.95% | 15.80% | 15.21% | 13.98% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.85% | 62.60% | 57.15% | 52.15% | 53.90% | 49.13% | 45.08% | 36.28% | -1,587 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |