Wausau, WI · Cert 35016
FDIC
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.18% | -3.40% | -3.55% | -2.27% | -1.80% | -1.62% | -9.01% | -7.96% | -569 bps | |
| Return on Equity | -52.08% | -58.28% | -83.54% | -54.05% | -43.54% | -39.44% | -306% | -384% | -32,995 bps | |
| Net Interest Margin | 3.19% | 3.38% | 3.19% | 3.30% | 3.28% | 3.57% | 2.01% | 2.21% | -109 bps | |
| Efficiency Ratio | 146.05% | 166.44% | 192.56% | 157.82% | 152.39% | 137.16% | 420% | 384% | +22,637 bps | |
| Non-Interest Burden | 4.78% | 5.37% | 6.47% | 5.50% | 5.27% | 5.16% | 11.00% | 10.22% | +472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.14% | -14.56% | -16.29% | -24.65% | -20.79% | -20.89% | -22.73% | -23.31% | +134 bps | |
| Loan Growth (YoY) | -10.73% | -22.06% | -27.42% | -34.18% | -41.62% | -36.98% | -34.76% | -30.07% | +411 bps | |
| Deposit Growth (YoY) | -7.14% | -12.92% | -15.08% | -24.54% | -20.99% | -21.94% | -21.52% | -21.17% | +337 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 | 2.96% | 3.06% | 1.02% | 0.61% | 1.58% | 1.69% | 1.33% | 0.81% | +19 bps | |
| Allowance / Loans | 3.19% | 3.80% | 4.00% | 4.61% | 4.43% | 4.78% | 4.73% | 5.00% | +39 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 | 7.59% | 7.19% | 6.72% | 6.98% | 7.55% | 7.33% | 4.19% | 0.93% | -605 bps | |
| Equity / Assets | 5.28% | 4.57% | 3.92% | 4.08% | 3.95% | 3.94% | 1.87% | 0.04% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.62% | 78.63% | 75.73% | 72.80% | 62.53% | 63.48% | 62.95% | 64.59% | -822 bps | |
| Liquid Assets / Assets | 0.00% | 8.17% | 0.00% | 9.60% | 8.35% | 6.94% | 4.64% | 2.13% | -747 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |