Onalaska, WI · Charter 67011
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Onalaska, WI · Charter 67011
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 0.96% | 0.80% | 0.85% | 1.17% | 0.96% | -0.45% | -1.26% | -211 bps | |
| Return on Equity | 13.25% | 11.47% | 9.41% | 9.81% | 13.44% | 10.19% | -5.43% | -17.06% | -2,687 bps | |
| Net Interest Margin | 4.73% | 4.55% | 4.50% | 4.26% | 4.10% | 4.09% | 3.45% | 3.48% | -78 bps | |
| Efficiency Ratio | 79.87% | 80.90% | 87.97% | 87.06% | 82.75% | 85.20% | 105.42% | 119.77% | +3,272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.40% | 20.88% | 25.53% | 23.41% | 27.62% | 21.21% | 30.10% | 26.38% | +297 bps | |
| Loan Growth (YoY) | 19.27% | 24.56% | 28.68% | 38.21% | 29.27% | 24.84% | 32.02% | 22.84% | -1,538 bps | |
| Share Growth (YoY) | 4.90% | 5.59% | 16.66% | 20.04% | 22.95% | 34.19% | 25.62% | 25.36% | +532 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 1.21% | 1.92% | 1.68% | 1.13% | 1.21% | 0.71% | 0.72% | -96 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 | 0.78% | 0.75% | 1.67% | 1.42% | 1.32% | 0.54% | 0.50% | 0.50% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.67% | 8.39% | 8.45% | 8.71% | 8.68% | 9.45% | 8.28% | 7.38% | -133 bps | |
| Net Worth / Assets | 8.67% | 8.39% | 8.45% | 8.71% | 8.68% | 9.45% | 8.28% | 7.38% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.77% | 116.00% | 105.28% | 108.86% | 113.30% | 107.92% | 110.65% | 106.67% | -219 bps | |
| Liquid Assets / Assets | -0.09% | 4.92% | 0.73% | -0.55% | 4.84% | 0.01% | 1.09% | 0.00% | +55 bps | |