West Allis, WI · Charter 67172
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
West Allis, WI · Charter 67172
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.19% | 0.02% | 0.26% | 0.15% | 0.10% | -0.67% | -3.00% | -326 bps | |
| Return on Equity | 1.83% | 1.85% | 0.20% | 2.59% | 1.50% | 0.91% | -6.58% | -32.59% | -3,517 bps | |
| Net Interest Margin | 4.05% | 3.76% | 3.70% | 3.95% | 3.90% | 3.90% | 4.09% | 3.80% | -14 bps | |
| Efficiency Ratio | 95.79% | 95.69% | 99.54% | 94.25% | 95.85% | 97.38% | 105.40% | 93.52% | -72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.08% | 1.45% | 4.93% | 4.84% | 6.26% | -4.13% | -11.33% | -6.78% | -1,162 bps | |
| Loan Growth (YoY) | -4.63% | -2.64% | 0.33% | 3.48% | 5.65% | 1.49% | -7.85% | -8.87% | -1,236 bps | |
| Share Growth (YoY) | 4.66% | 15.19% | 9.22% | 8.30% | 3.77% | -6.80% | -7.90% | -3.84% | -1,214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 0.31% | 0.32% | 1.25% | 5.83% | 4.87% | 10.00% | 4.18% | +293 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 | 0.14% | 0.14% | 0.09% | 0.09% | 0.11% | 0.10% | 0.53% | 0.54% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 10.04% | 9.62% | 9.97% | 10.14% | 10.42% | 10.18% | 9.21% | -75 bps | |
| Net Worth / Assets | 10.77% | 10.04% | 9.62% | 9.97% | 10.14% | 10.42% | 10.18% | 9.21% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.20% | 98.75% | 106.78% | 105.81% | 109.14% | 107.53% | 106.84% | 100.26% | -554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |