Manitowoc, WI · Charter 66784
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Manitowoc, WI · Charter 66784
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 | -1.92% | -2.39% | -3.02% | -0.35% | -3.01% | -2.31% | 0.49% | -11.63% | -1,128 bps | |
| Return on Equity | -8.30% | -10.53% | -13.83% | -1.61% | -15.09% | -11.30% | 2.46% | -198.09% | -19,648 bps | |
| Net Interest Margin | 4.32% | 4.48% | 3.89% | 3.97% | 3.83% | 3.74% | 2.78% | 2.75% | -122 bps | |
| Efficiency Ratio | 62.46% | 63.66% | 75.45% | 58.62% | 59.41% | 64.85% | 83.60% | 131.07% | +7,245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -1.66% | -0.83% | 1.06% | 0.19% | -0.48% | 2.27% | -4.11% | -517 bps | |
| Loan Growth (YoY) | -2.29% | -6.58% | -7.65% | -14.27% | -19.61% | -21.29% | -24.09% | -23.28% | -901 bps | |
| Share Growth (YoY) | -2.22% | 0.94% | 1.49% | 2.59% | 4.75% | 2.34% | 5.02% | 7.31% | +472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.30% | 15.13% | 15.65% | 15.88% | 15.01% | 16.86% | 5.46% | 19.93% | +406 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 | 5.19% | 3.76% | 5.35% | 5.19% | 8.22% | 8.48% | 9.11% | 27.98% | +2,278 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.15% | 22.65% | 21.87% | 21.67% | 19.95% | 20.45% | 19.76% | 5.87% | -1,580 bps | |
| Net Worth / Assets | 23.15% | 22.65% | 21.87% | 21.67% | 19.95% | 20.45% | 19.76% | 5.87% | -1,580 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.15% | 78.50% | 74.06% | 67.57% | 62.28% | 60.37% | 53.53% | 48.30% | -1,927 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |