Kenosha, WI · Charter 67217
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Kenosha, WI · Charter 67217
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.00% | 0.05% | 0.07% | -0.35% | -0.12% | 0.15% | 1.29% | +122 bps | |
| Return on Equity | 2.86% | 0.00% | 0.39% | 0.43% | -2.15% | -0.85% | 1.01% | 5.87% | +544 bps | |
| Net Interest Margin | 2.88% | 2.39% | 2.60% | 15.51% | 2.54% | 2.34% | 2.59% | 3.48% | -1,203 bps | |
| Efficiency Ratio | 86.50% | 99.99% | 97.98% | 99.54% | 113.66% | 105.02% | 94.38% | 62.89% | -3,665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.32% | 17.41% | 9.56% | -14.87% | -17.45% | -10.27% | -4.69% | -22.21% | -734 bps | |
| Loan Growth (YoY) | -45.11% | -53.89% | -54.58% | -25.98% | 20.80% | 424% | 515% | 39.94% | +6,592 bps | |
| Share Growth (YoY) | 5.59% | 20.01% | 11.39% | -17.08% | -19.80% | -30.11% | -26.28% | -27.01% | -993 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 3.64% | 4.48% | 3.73% | 2.37% | 0.70% | 0.00% | 0.00% | -373 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 | 29.03% | 30.06% | 45.55% | 37.85% | 24.03% | 7.06% | 6.68% | 24.39% | -1,347 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.62% | 12.37% | 13.62% | 16.66% | 16.15% | 13.75% | 14.43% | 22.01% | +536 bps | |
| Net Worth / Assets | 13.62% | 12.37% | 13.62% | 16.66% | 16.15% | 13.75% | 14.43% | 22.01% | +536 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.64% | 14.00% | 12.63% | 19.34% | 29.58% | 105.01% | 105.37% | 37.09% | +1,774 bps | |
| Liquid Assets / Assets | 86.19% | 89.96% | 92.38% | 88.00% | 78.89% | 31.90% | 32.65% | 74.94% | -1,306 bps | |