Beloit, WI · Charter 67247
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Beloit, WI · Charter 67247
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.37% | 0.03% | -7.35% | -2.90% | -2.03% | -3.66% | 0.65% | +800 bps | |
| Return on Equity | 4.51% | 4.77% | 0.42% | -132.71% | -47.65% | -32.82% | -85.90% | 14.12% | +14,683 bps | |
| Net Interest Margin | 3.74% | 3.65% | 3.49% | 3.18% | 3.34% | 3.35% | 3.49% | 3.97% | +79 bps | |
| Efficiency Ratio | 89.68% | 88.34% | 91.80% | 102.67% | 83.91% | 87.82% | 94.76% | 84.01% | -1,867 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | 5.09% | 8.23% | 7.14% | 3.58% | -2.22% | -8.19% | -10.39% | -1,754 bps | |
| Loan Growth (YoY) | 5.45% | 8.97% | 7.94% | 2.39% | -3.18% | -9.76% | -14.61% | -9.87% | -1,227 bps | |
| Share Growth (YoY) | -0.49% | -0.71% | 0.08% | 6.51% | 7.65% | 8.90% | 5.12% | -4.44% | -1,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.24% | 3.10% | 3.42% | 4.91% | 6.56% | 10.02% | 9.29% | +587 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 | 1.14% | 0.86% | 1.02% | 1.92% | 2.10% | 2.10% | 3.89% | 3.81% | +188 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.96% | 7.78% | 7.27% | 5.54% | 6.09% | 6.18% | 4.26% | 4.59% | -95 bps | |
| Net Worth / Assets | 7.96% | 7.78% | 7.27% | 5.54% | 6.09% | 6.18% | 4.26% | 4.59% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.29% | 107.38% | 106.76% | 92.85% | 90.19% | 88.98% | 86.72% | 87.57% | -528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |