Milton, WI · Cert 30426
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 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.
Milton, WI · Cert 30426
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.35% | 0.28% | -0.15% | -0.24% | -0.28% | -0.36% | -0.62% | -47 bps | |
| Return on Equity | 6.43% | 4.81% | 3.85% | -1.97% | -3.13% | -3.75% | -4.83% | -8.26% | -629 bps | |
| Net Interest Margin | 3.97% | 3.89% | 4.12% | 3.97% | 3.95% | 3.90% | 3.88% | 3.80% | -17 bps | |
| Efficiency Ratio | 98.67% | 98.19% | 98.00% | 101.71% | 104.27% | 105.60% | 107.76% | 114.91% | +1,319 bps | |
| Non-Interest Burden | 3.91% | 3.81% | 4.02% | 4.04% | 4.13% | 4.14% | 4.21% | 4.43% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.88% | -3.28% | -4.48% | -5.20% | -8.90% | -3.97% | -3.89% | -5.81% | -60 bps | |
| Loan Growth (YoY) | -9.07% | -5.23% | -10.14% | -10.16% | -9.08% | -15.51% | -14.20% | -18.39% | -823 bps | |
| Deposit Growth (YoY) | -1.32% | -2.18% | -4.85% | -5.47% | -9.40% | -4.15% | -3.96% | -6.09% | -61 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 | -0.29% | -0.20% | -0.16% | 0.07% | 0.04% | 0.04% | 0.03% | 0.00% | -7 bps | |
| Allowance / Loans | 0.84% | 0.83% | 0.90% | 0.93% | 0.97% | 1.02% | 1.07% | 1.15% | +22 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 | 12.19% | 12.47% | 12.57% | 12.53% | 13.04% | 13.42% | 13.38% | 15.10% | +257 bps | |
| Equity / Assets | 7.06% | 7.56% | 7.46% | 7.56% | 7.62% | 7.56% | 7.41% | 7.64% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.70% | 83.99% | 78.63% | 78.28% | 76.97% | 74.04% | 70.24% | 68.03% | -1,025 bps | |
| Liquid Assets / Assets | 2.39% | 3.18% | 2.57% | 1.79% | 0.66% | 2.56% | 2.27% | 3.69% | +190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |