Norwalk, WI · Cert 15130
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Norwalk, WI · Cert 15130
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -1.55% | -1.25% | -0.90% | -0.87% | -0.58% | -2.04% | -0.89% | 0 bps | |
| Return on Equity | 1.54% | -15.16% | -12.86% | -10.79% | -10.35% | -6.78% | -24.71% | -12.14% | -135 bps | |
| Net Interest Margin | 3.33% | 3.13% | 2.97% | 2.40% | 2.48% | 2.52% | 2.47% | 2.01% | -38 bps | |
| Efficiency Ratio | 89.35% | 100.85% | 102.64% | 108.37% | 115.69% | 108.38% | 115.80% | 129.75% | +2,137 bps | |
| Non-Interest Burden | 2.94% | 3.16% | 3.06% | 2.64% | 2.92% | 2.77% | 4.30% | 2.78% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | 2.65% | 10.86% | 9.88% | 4.16% | -3.45% | -13.96% | -13.69% | -2,357 bps | |
| Loan Growth (YoY) | -20.70% | -25.55% | -22.58% | -21.90% | -25.73% | -25.05% | -29.90% | -34.56% | -1,266 bps | |
| Deposit Growth (YoY) | -3.78% | 4.80% | 13.70% | 13.26% | 8.91% | -1.28% | -11.76% | -11.28% | -2,454 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 | 0.68% | 3.29% | 2.46% | 2.40% | 1.78% | 1.28% | 1.02% | -0.23% | -263 bps | |
| Allowance / Loans | 1.41% | 1.37% | 1.48% | 1.34% | 1.51% | 1.78% | 1.97% | 2.40% | +106 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 | 13.52% | 16.02% | 15.14% | 16.53% | 18.16% | 20.23% | 20.39% | 22.66% | +612 bps | |
| Equity / Assets | 10.74% | 9.29% | 8.06% | 8.56% | 8.48% | 8.98% | 7.17% | 7.56% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.21% | 60.43% | 52.34% | 53.80% | 47.88% | 45.88% | 41.58% | 39.68% | -1,412 bps | |
| Liquid Assets / Assets | 27.25% | 32.49% | 38.80% | 41.48% | 43.44% | 43.46% | 46.04% | 51.23% | +975 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |