Marathon, WI · Cert 15887
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Marathon, WI · Cert 15887
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.53% | 0.55% | 0.52% | 0.54% | 0.29% | 1.05% | 0.54% | +2 bps | |
| Return on Equity | 3.14% | 2.76% | 2.88% | 2.72% | 2.84% | 1.54% | 7.21% | 4.32% | +160 bps | |
| Net Interest Margin | 1.78% | 1.66% | 1.67% | 1.65% | 1.68% | 1.61% | 0.25% | 0.64% | -101 bps | |
| Efficiency Ratio | 61.54% | 65.93% | 65.30% | 67.14% | 65.77% | 80.82% | 8.92% | 53.05% | -1,408 bps | |
| Non-Interest Burden | 1.08% | 1.07% | 1.08% | 1.09% | 1.09% | 1.29% | -1.44% | -0.20% | -129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.69% | -1.15% | 1.55% | -0.62% | 2.16% | 2.77% | -2.97% | -8.24% | -763 bps | |
| Loan Growth (YoY) | 9.66% | -1.76% | -2.12% | 2.40% | 0.01% | -4.71% | 3.36% | -32.34% | -3,474 bps | |
| Deposit Growth (YoY) | -2.18% | -1.47% | 1.90% | -0.75% | 2.62% | 3.47% | 12.47% | 5.85% | +660 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 | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.14% | 1.12% | 1.11% | 1.16% | 0.02% | 0.02% | -110 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 | 18.93% | 19.41% | 19.31% | 19.15% | 18.60% | 18.92% | 15.14% | 17.73% | -142 bps | |
| Equity / Assets | 18.76% | 19.26% | 19.14% | 18.98% | 18.42% | 18.74% | 5.94% | 6.06% | -1,292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.84% | 36.85% | 35.25% | 35.13% | 34.93% | 33.93% | 32.40% | 22.46% | -1,268 bps | |
| Liquid Assets / Assets | 56.76% | 59.85% | 56.04% | 53.06% | 53.25% | 51.15% | 15.98% | 16.49% | -3,657 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |