West Allis, WI · Charter 67186
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 67186
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 | -0.11% | -0.18% | -0.06% | -0.17% | -0.17% | -0.01% | -0.29% | -27.87% | -2,770 bps | |
| Return on Equity | -1.09% | -1.91% | -0.68% | -1.87% | -2.03% | -0.12% | -3.55% | -2261% | -225,944 bps | |
| Net Interest Margin | 3.88% | 3.85% | 3.92% | 3.73% | 3.47% | 3.63% | 3.72% | 3.07% | -67 bps | |
| Efficiency Ratio | 98.70% | 97.66% | 96.08% | 98.64% | 100.50% | 97.48% | 103.43% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 7.96% | 7.29% | 8.68% | 15.68% | 10.74% | 10.89% | 1.66% | -702 bps | |
| Loan Growth (YoY) | 0.09% | 3.66% | 6.98% | 5.93% | 15.42% | 13.09% | 8.44% | 5.87% | -6 bps | |
| Share Growth (YoY) | 4.73% | 9.34% | 8.18% | 9.74% | 11.28% | 11.90% | 11.58% | 10.30% | +57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.87% | 2.61% | 2.22% | 1.04% | 0.80% | 2.18% | 1.78% | 1.05% | 0 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 | 0.38% | 0.47% | 0.43% | 0.48% | 0.43% | 0.40% | 0.37% | 0.42% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.73% | 9.40% | 9.56% | 9.00% | 8.32% | 8.54% | 8.28% | 1.23% | -776 bps | |
| Net Worth / Assets | 9.73% | 9.40% | 9.56% | 9.00% | 8.32% | 8.54% | 8.28% | 1.23% | -776 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.06% | 79.97% | 85.72% | 77.68% | 82.01% | 80.82% | 83.31% | 74.56% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |