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

4.53%Q2 ’103.86%Q2 ’113.49%Q2 ’12-10%-25%

Non-interest income vs. expense

3.05%Q2 ’103.23%Q2 ’112.98%Q2 ’12+13%-8%

Executive Summary

  • Earnings: ROA of -0.05%, down 26 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 60.84% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.05%-26 bps YoY

Net Interest Margin (quarter, annualized)

2.41%-82 bps YoY

Efficiency Ratio (quarter, annualized)

113.57%+1,970 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.21%0.42%-0.98%0.09%1-0.05%-26 bps
Return on Equity1.71%3.29%-7.71%0.76%-0.39%-210 bps
Net Interest Margin3.23%3.15%2.96%2.84%2.41%-82 bps
Efficiency Ratio93.88%87.97%130.15%107.89%113.57%+1,970 bps
Non-Interest Burden3.02%2.74%3.92%3.09%2.76%-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%-0.11%1.38%-0.90%0.00%+2 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