Superior, WI · Cert 6192
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 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.
Superior, WI · Cert 6192
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.77% | 0.77% | 0.49% | 0.47% | 0.10% | 0.09%1 | 0.02%1 | -47 bps | |
| Return on Equity | -0.16% | 6.20% | 6.15% | 3.92% | 3.70% | 0.83% | 0.76% | 0.19% | -373 bps | |
| Net Interest Margin | 3.54% | 3.47% | 3.22% | 3.19% | 3.16% | 3.12% | 2.84% | 2.66% | -53 bps | |
| Efficiency Ratio | 80.38% | 72.59% | 77.78% | 85.91% | 86.60% | 96.94% | 107.89% | 110.47% | +2,456 bps | |
| Non-Interest Burden | 2.79% | 2.14% | 2.46% | 2.71% | 2.71% | 3.02% | 3.09% | 2.96% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | -1.39% | 2.04% | 2.72% | 1.69% | 3.33% | 3.65% | -3.61% | -633 bps | |
| Loan Growth (YoY) | -7.67% | -9.60% | -10.39% | -9.12% | -7.07% | -8.18% | -6.26% | -8.17% | +95 bps | |
| Deposit Growth (YoY) | -1.95% | -1.96% | 1.92% | 2.68% | 1.42% | 3.86% | 4.54% | 3.09% | +42 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 | 1.16% | 0.88% | -0.02% | -0.02% | -0.05% | 0.31% | -0.90% | -0.46% | -44 bps | |
| Allowance / Loans | 1.72% | 1.77% | 1.83% | 1.85% | 1.90% | 1.63% | 1.86% | 1.92% | +7 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 | 25.73% | 26.81% | 27.18% | 27.38% | 27.88% | 27.64% | 27.99% | 29.40% | +203 bps | |
| Equity / Assets | 12.61% | 12.61% | 12.53% | 12.44% | 12.95% | 12.41% | 12.02% | 12.66% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.61% | 73.77% | 69.99% | 68.30% | 69.28% | 65.21% | 62.76% | 60.84% | -746 bps | |
| Liquid Assets / Assets | 0.16% | 0.09% | 0.06% | 0.29% | 0.28% | 0.19% | 0.14% | 0.27% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |