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G B C I

Green Bay, WI · Charter 66382

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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

G B C I

Green Bay, WI · Charter 66382

Q3 2013

$1.8MAssets
$1.3MLoans
$1.4MShares
$455KNet Worth

Executive Summary

  • Earnings: ROA of -0.26%, down 21 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.71%, up 227 bps from a year ago.
  • Funding: loans stand at 95.51% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

-0.26%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-9 bps YoY

Efficiency Ratio (YTD, annualized)

108.26%+677 bps YoY

Net Worth / Assets

24.71%+227 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.05%-0.16%0.13%-0.05%0.02%-0.13%-0.15%-0.26%-21 bps
Return on Equity0.21%-0.71%0.59%-0.21%0.07%-0.58%-0.62%-1.04%-83 bps
Net Interest Margin3.47%3.15%3.28%3.19%3.40%2.90%3.12%3.09%-9 bps
Efficiency Ratio98.67%104.90%96.06%101.49%99.53%104.59%104.67%108.26%+677 bps
Growth
Asset Growth (YoY)-6.77%-4.41%-5.12%-5.22%-7.05%-5.24%-7.22%-9.44%-422 bps
Loan Growth (YoY)-5.04%-4.50%-9.04%-8.02%-7.31%-3.72%-3.11%-9.33%-131 bps
Share Growth (YoY)-8.49%-5.66%-6.54%-6.88%-9.04%-6.78%-9.16%-12.01%-513 bps
Asset Quality
Delinquent Loans / Loans0.15%0.76%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.01%2.16%2.25%2.14%2.17%2.25%2.33%2.36%+22 bps
Capital
Risk-Based Capital21.93%22.06%22.25%22.44%23.61%23.30%23.86%24.71%+227 bps
Net Worth / Assets21.93%22.06%22.25%22.44%23.61%23.30%23.86%24.71%+227 bps
Liquidity & Funding
Loans / Shares95.18%89.35%86.29%92.69%96.99%92.28%92.03%95.51%+282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps