PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Superior National Bank

Superior, WI · Cert 6192

FDIC

Q2 2012

$32.7MAssets
$17.3MLoans
$28.5MDeposits
$4.1MEquity
Loan mix
97%RE $14.1M0%C&I $0.1M3%Consumer $0.4MQ2 2011Q2 2012
Deposit mix
81%Interest-bearing $22.9M19%Noninterest $5.5MQ2 2011Q2 2012

NIM

4.59%Q2 ’103.97%Q2 ’113.63%Q2 ’12-10%-17%

Non-interest income vs. expense

3.19%Q2 ’102.92%Q2 ’113.19%Q2 ’12-4%+9%

Executive Summary

  • Earnings: ROA of 0.02%, down 47 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.46%.
  • Funding: loans stand at 60.84% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.02%1-47 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-53 bps YoY

Efficiency Ratio (YTD, annualized)

110.47%+2,456 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.49%0.47%0.10%0.09%10.02%1-47 bps
Return on Equity3.92%3.70%0.83%0.76%0.19%-373 bps
Net Interest Margin3.19%3.16%3.12%2.84%2.66%-53 bps
Efficiency Ratio85.91%86.60%96.94%107.89%110.47%+2,456 bps
Non-Interest Burden2.71%2.71%3.02%3.09%2.96%+25 bps
Growth
Asset Growth (YoY)2.72%1.69%3.33%3.65%-3.61%-633 bps
Loan Growth (YoY)-9.12%-7.07%-8.18%-6.26%-8.17%+95 bps
Deposit Growth (YoY)2.68%1.42%3.86%4.54%3.09%+42 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.05%0.31%-0.90%-0.46%-44 bps
Allowance / Loans1.85%1.90%1.63%1.86%1.92%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital27.38%27.88%27.64%27.99%29.40%+203 bps
Equity / Assets12.44%12.95%12.41%12.02%12.66%+22 bps
Liquidity & Funding
Loans / Deposits68.30%69.28%65.21%62.76%60.84%-746 bps
Liquid Assets / Assets0.29%0.28%0.19%0.14%0.27%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a