Colby, WI · Cert 13664
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Colby, WI · Cert 13664
FDIC
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.82% | -4.82% | -3.65% | -3.14% | -0.01% | -0.27% | -0.57% | -0.88% | +226 bps | |
| Return on Equity | -142.79% | -81.21% | -62.86% | -55.46% | -0.16% | -5.20% | -11.12% | -17.63% | +3,782 bps | |
| Net Interest Margin | 3.09% | 3.12% | 3.00% | 3.22% | 2.87% | 2.89% | 2.90% | 2.87% | -35 bps | |
| Efficiency Ratio | 64.31% | 84.72% | 95.43% | 91.56% | 93.71% | 100.83% | 107.11% | 115.53% | +2,397 bps | |
| Non-Interest Burden | 1.44% | 2.54% | 2.91% | 2.96% | 2.74% | 3.02% | 3.27% | 3.56% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.85% | -23.69% | -19.97% | -17.17% | -6.77% | -10.13% | -7.88% | -6.44% | +1,074 bps | |
| Loan Growth (YoY) | -30.82% | -31.87% | -27.98% | -23.73% | -20.90% | -19.18% | -19.08% | -19.98% | +375 bps | |
| Deposit Growth (YoY) | -30.21% | -24.65% | -21.20% | -11.58% | 0.35% | -4.37% | -2.38% | -7.38% | +419 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.86% | 8.41% | 6.89% | 5.84% | 1.19% | 0.87% | 0.84% | 1.42% | -441 bps | |
| Allowance / Loans | 8.29% | 5.70% | 5.31% | 5.58% | 5.55% | 5.72% | 5.84% | 5.67% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.95% | 7.62% | 7.41% | 7.56% | 7.74% | 7.81% | 7.67% | 7.38% | -18 bps | |
| Equity / Assets | 5.41% | 5.42% | 5.41% | 5.05% | 5.11% | 5.26% | 5.06% | 4.52% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.47% | 83.19% | 82.71% | 70.87% | 69.74% | 70.30% | 68.56% | 61.23% | -964 bps | |
| Liquid Assets / Assets | 11.13% | 14.49% | 14.12% | 13.68% | 20.84% | 16.35% | 22.88% | 25.75% | +1,207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |