Milwaukee, WI · Charter 67015
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 67015
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.35% | -3.15% | -0.68% | -1.20% | -1.89% | -3.24% | -3.28% | -260 bps | |
| Return on Equity | 2.58% | 2.33% | -24.12% | -5.48% | -10.98% | -19.59% | -36.59% | -38.68% | -3,320 bps | |
| Net Interest Margin | 4.39% | 4.48% | 3.98% | 3.49% | 3.17% | 3.06% | 3.25% | 3.98% | +50 bps | |
| Efficiency Ratio | 84.50% | 83.66% | 91.23% | 77.35% | 86.01% | 88.50% | 96.81% | 91.81% | +1,445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.43% | -5.08% | 4.17% | 12.29% | 28.43% | 31.90% | 19.73% | -2.51% | -1,481 bps | |
| Loan Growth (YoY) | -4.61% | -1.13% | 2.13% | 0.52% | 1.80% | 0.03% | 1.31% | 2.75% | +223 bps | |
| Share Growth (YoY) | -0.50% | -0.36% | 9.18% | 18.63% | 35.06% | 43.41% | 25.94% | 1.22% | -1,741 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.58% | 1.38% | 1.77% | 7.03% | 1.97% | 1.31% | 1.67% | -10 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 | 0.84% | 0.99% | 0.67% | 0.82% | 1.12% | 1.17% | 1.62% | 3.13% | +231 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.15% | 15.19% | 13.05% | 12.42% | 10.94% | 9.63% | 8.85% | 8.49% | -394 bps | |
| Net Worth / Assets | 15.15% | 15.19% | 13.05% | 12.42% | 10.94% | 9.63% | 8.85% | 8.49% | -394 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.27% | 106.89% | 92.91% | 84.89% | 78.60% | 74.56% | 74.74% | 86.18% | +129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |