Milwaukee, WI · Charter 66984
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.
Milwaukee, WI · Charter 66984
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 | 0.13% | 0.03% | -0.15% | 0.32% | 0.11% | -4.30% | -3.11% | -5.20% | -552 bps | |
| Return on Equity | 0.92% | 0.23% | -1.11% | 2.54% | 0.92% | -53.66% | -42.94% | -93.52% | -9,606 bps | |
| Net Interest Margin | 3.78% | 4.00% | 4.31% | 4.45% | 4.51% | 4.35% | 4.50% | 4.87% | +41 bps | |
| Efficiency Ratio | 89.60% | 93.12% | 90.74% | 84.33% | 86.54% | 103.25% | 81.51% | 83.18% | -115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.20% | 11.79% | 11.33% | 17.79% | 18.11% | 17.51% | 20.98% | 3.57% | -1,422 bps | |
| Loan Growth (YoY) | 39.45% | 34.78% | 38.47% | 38.59% | 34.69% | 46.90% | 34.77% | 15.83% | -2,276 bps | |
| Share Growth (YoY) | 19.36% | 13.49% | 11.88% | 8.79% | 11.12% | 15.32% | 18.86% | 11.40% | +260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.84% | 2.86% | 3.12% | 2.57% | 3.94% | 6.71% | 9.22% | +610 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 | 0.88% | 1.01% | 1.11% | 1.06% | 1.05% | 3.82% | 4.72% | 7.07% | +600 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.88% | 13.43% | 13.29% | 12.56% | 11.86% | 8.01% | 7.24% | 5.56% | -700 bps | |
| Net Worth / Assets | 13.88% | 13.43% | 13.29% | 12.56% | 11.86% | 8.01% | 7.24% | 5.56% | -700 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.63% | 88.24% | 99.82% | 109.62% | 108.65% | 112.40% | 113.19% | 113.98% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |