Mayville, WI · Cert 57193
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.
Mayville, WI · Cert 57193
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 | 0.13% | 0.13% | 0.13% | 0.04% | 0.07% | 0.13% | 0.13% | 0.13% | +9 bps | |
| Return on Equity | 0.17% | 0.17% | 0.17% | 0.06% | 0.08% | 0.17% | 0.17% | 0.17% | +11 bps | |
| Net Interest Margin | 0.26% | 0.26% | 0.26% | 0.08% | 0.10% | 0.26% | 0.26% | 0.22% | +14 bps | |
| Efficiency Ratio | 99.45% | 99.00% | 99.23% | 98.94% | 99.20% | 98.97% | 99.23% | 99.14% | +20 bps | |
| Non-Interest Burden | 0.03% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | -0.69% | -0.40% | -8.70% | -2.99% | 0.13% | 2.25% | 2.28% | +1,098 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 13.06% | -4.81% | 1.69% | -34.19% | -11.88% | 4.86% | 11.81% | 12.35% | +4,655 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 393% | 405% | 405% | 409% | 405% | 404% | 397% | 402% | -685 bps | |
| Equity / Assets | 77.06% | 79.42% | 79.40% | 80.23% | 79.57% | 79.44% | 77.78% | 78.57% | -165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |