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Commonwealth

Sun Prairie, WI · Charter 66831

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commonwealth

Sun Prairie, WI · Charter 66831

Q3 2008

$827.7MAssets
$623.5MLoans
$663.1MShares
$77.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, up 24 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.96% of loans (-11 bps YoY).
  • Capital: net worth / assets of 9.35%, down 77 bps from a year ago.
  • Funding: loans stand at 94.03% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

0.67%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+38 bps YoY

Efficiency Ratio (YTD, annualized)

75.08%-577 bps YoY

Net Worth / Assets

9.35%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.58%0.29%0.37%0.43%0.48%0.59%0.73%0.67%+24 bps
Return on Equity5.83%2.96%3.80%4.22%4.88%6.34%7.81%7.17%+296 bps
Net Interest Margin2.77%2.62%2.66%2.59%2.52%2.78%2.89%2.98%+38 bps
Efficiency Ratio76.16%83.81%82.18%80.86%79.51%78.39%75.18%75.08%-577 bps
Growth
Asset Growth (YoY)-2.80%1.06%2.03%7.19%14.53%16.97%18.90%16.48%+928 bps
Loan Growth (YoY)3.29%4.72%5.74%10.00%10.86%10.67%10.91%9.44%-55 bps
Share Growth (YoY)-3.81%0.35%1.51%6.21%6.73%6.66%9.07%5.15%-106 bps
Asset Quality
Delinquent Loans / Loans0.90%0.84%1.00%1.07%1.01%0.94%1.03%0.96%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.71%0.73%0.72%0.79%0.79%0.79%0.75%0.78%-1 bps
Capital
Risk-Based Capital9.99%9.68%9.78%10.12%9.75%9.34%9.39%9.35%-77 bps
Net Worth / Assets9.99%9.68%9.78%10.12%9.75%9.34%9.39%9.35%-77 bps
Liquidity & Funding
Loans / Shares89.16%86.39%88.23%90.34%92.61%89.64%89.72%94.03%+369 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps