Eau Claire, WI · Charter 66380
Q4 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.33% | -0.15% | 0.01% | -0.11% | -0.12% | 0.25% | 0.03% | +2 bps | |
| Return on Equity | -3.19% | -1.93% | -0.87% | 0.06% | -0.53% | -0.62% | 1.31% | 0.15% | +9 bps | |
| Net Interest Margin | 3.91% | 3.47% | 3.59% | 3.84% | 3.69% | 3.55% | 3.53% | 3.54% | -30 bps | |
| Efficiency Ratio | 114.73% | 108.40% | 103.55% | 99.77% | 102.56% | 102.86% | 94.39% | 99.37% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.36% | 35.49% | 34.80% | 23.90% | 20.48% | 3.00% | 3.58% | 8.85% | -1,505 bps | |
| Loan Growth (YoY) | -16.10% | -1.28% | -1.41% | -1.73% | 3.25% | -9.03% | -6.31% | -2.83% | -111 bps | |
| Share Growth (YoY) | 10.90% | 41.33% | 40.58% | 26.14% | 21.48% | 3.67% | 4.00% | 11.05% | -1,509 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.34% | 0.26% | 0.44% | 0.35% | 0.26% | 0.18% | 0.27% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.91% | 1.97% | 2.08% | 2.01% | 2.00% | 2.20% | 2.25% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.68% | 16.97% | 16.88% | 18.09% | 20.05% | 19.24% | 19.21% | 19.30% | +121 bps | |
| Net Worth / Assets | 20.68% | 16.97% | 16.88% | 18.09% | 20.05% | 19.24% | 19.21% | 19.30% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.75% | 76.07% | 73.37% | 75.18% | 68.63% | 66.75% | 66.10% | 65.78% | -940 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |