Fairchild, WI · Charter 66781
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.
Fairchild, WI · Charter 66781
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 | 1.29% | 0.26% | 6.26% | 0.33% | 2.74% | 0.65% | 8.95% | 0.71% | +39 bps | |
| Return on Equity | 9.15% | 2.02% | 41.56% | 2.70% | 18.22% | 4.57% | 55.41% | 4.53% | +183 bps | |
| Net Interest Margin | 5.91% | 5.04% | 10.19% | 4.83% | 7.87% | 6.21% | 12.62% | 6.15% | +132 bps | |
| Efficiency Ratio | 78.96% | 94.90% | 38.79% | 93.30% | 65.38% | 89.62% | 29.97% | 88.64% | -466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.75% | 10.57% | 5.88% | 16.40% | 3.05% | -2.98% | 1.76% | -18.81% | -3,521 bps | |
| Loan Growth (YoY) | 6.04% | 25.25% | 35.79% | 56.93% | 33.13% | 26.39% | 11.36% | -28.31% | -8,524 bps | |
| Share Growth (YoY) | 11.35% | 12.14% | 5.80% | 6.12% | 1.90% | -4.16% | 0.48% | -13.12% | -1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.42% | 4.02% | 4.75% | 7.23% | 6.75% | 8.43% | 9.85% | 12.22% | +499 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 | 6.88% | 6.66% | 6.86% | 5.10% | 5.16% | 5.27% | 6.16% | 7.12% | +202 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.05% | 13.12% | 15.07% | 12.10% | 15.01% | 14.17% | 16.14% | 15.76% | +366 bps | |
| Net Worth / Assets | 14.05% | 13.12% | 15.07% | 12.10% | 15.01% | 14.17% | 16.14% | 15.76% | +366 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.76% | 91.04% | 93.11% | 119.27% | 118.57% | 120.06% | 103.20% | 98.42% | -2,085 bps | |
| Liquid Assets / Assets | 25.82% | 24.66% | 24.69% | 9.37% | 2.77% | 0.66% | 17.09% | 0.00% | -937 bps | |