Milwaukee, WI · Charter 66772
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Milwaukee, WI · Charter 66772
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.76% | -0.56% | -1.05% | -1.36% | -23.66% | -7.26% | -7.66% | -661 bps | |
| Return on Equity | -1.94% | -3.67% | -2.68% | -5.07% | -6.14% | -133.43% | -41.26% | -48.02% | -4,295 bps | |
| Net Interest Margin | 4.76% | 4.65% | 4.86% | 4.26% | 4.71% | 4.83% | 4.99% | 3.48% | -79 bps | |
| Efficiency Ratio | 108.58% | 116.25% | 111.58% | 124.31% | 128.34% | 411% | 126.37% | 184.78% | +6,047 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.38% | -12.89% | -12.72% | -3.34% | -10.07% | -12.39% | -11.61% | -12.00% | -866 bps | |
| Loan Growth (YoY) | 3.93% | -5.61% | 15.46% | 5.20% | 0.48% | 7.22% | -21.79% | -26.24% | -3,144 bps | |
| Share Growth (YoY) | -14.21% | -14.80% | -14.66% | -2.80% | -11.32% | -9.10% | -7.68% | -6.49% | -369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.70% | 17.37% | 14.53% | 22.10% | 15.22% | 14.40% | 9.16% | 4.13% | -1,797 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 | 2.36% | 2.50% | 2.16% | 2.22% | 2.35% | 8.35% | 3.01% | 3.28% | +106 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.08% | 20.63% | 21.00% | 20.78% | 22.08% | 17.73% | 17.60% | 15.95% | -483 bps | |
| Net Worth / Assets | 21.08% | 20.63% | 21.00% | 20.78% | 22.08% | 17.73% | 17.60% | 15.95% | -483 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.55% | 73.08% | 86.79% | 85.86% | 88.99% | 86.20% | 73.52% | 67.73% | -1,813 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |