Kenosha, WI · Cert 35386
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.
Kenosha, WI · Cert 35386
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 | -4.12% | -2.68% | -4.36% | 3.12%1 | -1.07% | -0.82% | -1.46% | -1.65% | -476 bps | |
| Return on Equity | -67.53% | -43.36% | -74.71% | 72.66% | -27.10% | -21.65% | -40.88% | -70.57% | -14,323 bps | |
| Net Interest Margin | 2.89% | 3.15% | 3.40% | 3.17% | 3.08% | 3.21% | 3.30% | 3.01% | -16 bps | |
| Efficiency Ratio | 131.99% | 116.30% | 116.02% | 102.61% | 149.81% | 146.80% | 140.19% | 109.23% | +662 bps | |
| Non-Interest Burden | 3.89% | 3.73% | 4.02% | 3.28% | 4.43% | 4.67% | 4.78% | 3.39% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.97% | -19.93% | -21.51% | -17.88% | -18.66% | -19.13% | -16.95% | -16.72% | +116 bps | |
| Loan Growth (YoY) | -16.27% | -22.28% | -24.52% | -26.17% | -27.58% | -24.38% | -23.30% | -20.10% | +608 bps | |
| Deposit Growth (YoY) | -14.11% | -16.20% | -16.61% | -14.76% | -13.37% | -12.19% | -10.89% | -11.30% | +346 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 | 2.99% | 4.76% | 4.63% | 1.03% | 0.64% | 1.99% | 2.50% | 0.05% | -98 bps | |
| Allowance / Loans | 4.09% | 2.63% | 5.38% | 5.50% | 6.97% | 6.13% | 6.40% | 7.05% | +155 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 | 7.55% | 8.47% | 5.57% | 7.20% | 5.53% | 5.59% | 4.46% | 3.99% | -321 bps | |
| Equity / Assets | 5.50% | 6.40% | 4.23% | 4.35% | 3.23% | 3.27% | 2.50% | 2.17% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.97% | 82.82% | 81.63% | 77.30% | 72.70% | 71.32% | 70.26% | 69.63% | -767 bps | |
| Liquid Assets / Assets | 4.39% | 3.87% | 3.79% | 18.56% | 8.47% | 7.23% | 1.36% | 4.96% | -1,359 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |