Superior, WI · Cert 6192
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 3.14% | 0.77% | 0.21% | 0.42% | -0.98% | 0.09%1 | -0.05% | -26 bps | |
| Return on Equity | 1.57% | 24.90% | 6.15% | 1.71% | 3.29% | -7.71% | 0.76% | -0.39% | -210 bps | |
| Net Interest Margin | 3.48% | 3.32% | 3.22% | 3.23% | 3.15% | 2.96% | 2.84% | 2.41% | -82 bps | |
| Efficiency Ratio | 77.93% | 61.52% | 77.78% | 93.88% | 87.97% | 130.15% | 107.89% | 113.57% | +1,970 bps | |
| Non-Interest Burden | 2.69% | 0.24% | 2.46% | 3.02% | 2.74% | 3.92% | 3.09% | 2.76% | -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 | -0.34% | -0.04% | -0.02% | -0.02% | -0.11% | 1.38% | -0.90% | 0.00% | +2 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 |