Manitowoc, WI · Charter 66799
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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 66799
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 1.23% | 0.63% | 0.85% | 0.39% | 1.41% | 0.42% | -88.01% | -8,886 bps | |
| Return on Equity | 2.19% | 5.29% | 2.76% | 3.78% | 1.80% | 6.26% | 1.92% | n/a | n/a | |
| Net Interest Margin | 4.97% | 5.16% | 4.69% | 5.13% | 4.39% | 4.91% | 3.77% | -80.07% | -8,519 bps | |
| Efficiency Ratio | 77.96% | 68.45% | 71.72% | 83.49% | 91.05% | 71.32% | 88.97% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.26% | -1.27% | 0.70% | 9.71% | 6.06% | 6.98% | 7.14% | 2.65% | -705 bps | |
| Loan Growth (YoY) | -6.89% | -14.06% | -12.38% | 1.39% | 0.91% | -1.02% | 8.14% | -8.15% | -954 bps | |
| Share Growth (YoY) | -3.83% | -2.63% | 0.09% | 11.83% | 7.06% | 8.00% | 8.68% | 32.22% | +2,039 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.74% | 4.67% | 0.00% | 8.01% | 7.85% | 7.99% | 8.10% | 7.86% | -15 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 | 6.26% | 6.17% | 2.65% | 2.55% | 3.84% | 3.86% | 3.75% | 7.01% | +445 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.61% | 23.24% | 22.83% | 22.37% | 21.88% | 22.51% | 21.73% | 0.00% | -2,237 bps | |
| Net Worth / Assets | 22.61% | 23.24% | 22.83% | 22.37% | 21.88% | 22.51% | 21.73% | 0.00% | -2,237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.47% | 52.53% | 48.87% | 48.91% | 48.51% | 48.15% | 48.63% | 33.98% | -1,494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |