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Bilt-Well

Dubuque, IA · Charter 65286

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bilt-Well

Dubuque, IA · Charter 65286

Q2 2012

$820KAssets
$99KLoans
$551KShares
$268KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.34%, up 54 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.21% of loans (-122 bps YoY).
  • Capital: net worth / assets of 32.66%, up 529 bps from a year ago.
  • Funding: loans stand at 18.05% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.34%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+92 bps YoY

Efficiency Ratio (YTD, annualized)

88.68%-2,058 bps YoY

Net Worth / Assets

32.66%+529 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.19%-0.61%-0.71%0.35%0.34%+54 bps
Return on Equity-0.71%-2.23%-2.46%1.15%1.05%+176 bps
Net Interest Margin2.10%1.95%1.97%2.90%3.02%+92 bps
Efficiency Ratio109.26%131.14%135.94%88.00%88.68%-2,058 bps
Growth
Asset Growth (YoY)4.64%1.79%-7.65%-11.72%-17.48%-2,211 bps
Loan Growth (YoY)-56.11%-24.49%-11.76%10.17%18.59%+7,470 bps
Share Growth (YoY)6.43%2.79%-10.08%-15.27%-23.54%-2,997 bps
Asset Quality
Delinquent Loans / Loans1.44%0.82%0.77%0.20%0.21%-122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.43%5.61%6.48%6.74%7.11%-132 bps
Capital
Risk-Based Capital27.37%27.24%28.89%30.11%32.66%+529 bps
Net Worth / Assets27.37%27.24%28.89%30.11%32.66%+529 bps
Liquidity & Funding
Loans / Shares11.64%17.61%16.67%16.94%18.05%+641 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps