Ogema, WI · Charter 66778
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 | 1.57% | 0.24% | 0.97% | 1.47% | 2.32% | 0.15% | 4.46% | 1.67% | +20 bps | |
| Return on Equity | 13.87% | 2.37% | 9.10% | 12.81% | 18.69% | 1.31% | 35.95% | 12.29% | -52 bps | |
| Net Interest Margin | 4.54% | 3.57% | 6.24% | 4.35% | 5.00% | 4.56% | 6.46% | 5.05% | +70 bps | |
| Efficiency Ratio | 52.69% | 55.73% | 43.72% | 39.13% | 38.18% | 45.02% | 32.39% | 48.83% | +970 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | 3.15% | -2.00% | -6.58% | -3.39% | -8.55% | -6.73% | -11.86% | -528 bps | |
| Loan Growth (YoY) | -2.96% | 1.50% | -7.84% | -7.40% | -2.19% | -3.34% | -3.89% | -8.74% | -134 bps | |
| Share Growth (YoY) | -0.45% | 3.81% | -0.80% | -7.64% | -4.07% | -9.68% | -8.51% | -13.95% | -631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.79% | 2.83% | 2.75% | 5.08% | 4.02% | 5.58% | 4.72% | 1.78% | -330 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 | 1.43% | 2.68% | 1.64% | 1.96% | 1.91% | 3.17% | 3.36% | 2.61% | +65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.33% | 10.11% | 10.63% | 11.47% | 12.41% | 11.11% | 12.40% | 13.60% | +212 bps | |
| Net Worth / Assets | 11.33% | 10.11% | 10.63% | 11.47% | 12.41% | 11.11% | 12.40% | 13.60% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.94% | 104.36% | 103.46% | 109.59% | 113.12% | 111.69% | 108.68% | 116.24% | +665 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |