Green Bay, WI · Charter 66794
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 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.
Green Bay, WI · Charter 66794
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.18% | 0.24% | 0.33% | 0.15% | -12.57% | -5.26% | -3.82% | -415 bps | |
| Return on Equity | 3.17% | 1.66% | 2.22% | 3.00% | 1.37% | -167.36% | -64.91% | -49.45% | -5,245 bps | |
| Net Interest Margin | 3.70% | 3.49% | 3.44% | 3.57% | 3.62% | 3.20% | 3.24% | 3.53% | -4 bps | |
| Efficiency Ratio | 88.26% | 92.64% | 90.86% | 88.90% | 88.11% | 105.44% | 77.29% | 78.80% | -1,010 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.76% | 10.30% | 7.09% | 4.32% | 6.69% | 0.40% | 0.52% | 3.62% | -70 bps | |
| Loan Growth (YoY) | -0.35% | -11.69% | -12.46% | -14.12% | -9.86% | 11.61% | 26.91% | 31.34% | +4,546 bps | |
| Share Growth (YoY) | 17.89% | 3.60% | 0.21% | -3.25% | -0.38% | 6.57% | 6.27% | 10.79% | +1,404 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 4.11% | 2.78% | 2.49% | 4.06% | 2.23% | 1.98% | 1.95% | -54 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 | 1.54% | 1.70% | 1.96% | 1.99% | 1.77% | 3.49% | 3.53% | 3.71% | +173 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 10.60% | 10.77% | 11.07% | 11.18% | 7.51% | 8.11% | 7.72% | -335 bps | |
| Net Worth / Assets | 11.76% | 10.60% | 10.77% | 11.07% | 11.18% | 7.51% | 8.11% | 7.72% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.85% | 82.31% | 74.23% | 77.50% | 84.01% | 86.20% | 88.64% | 91.88% | +1,438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |