Green Bay, WI · Charter 66382
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -0.16% | 0.13% | -0.05% | 0.02% | -0.13% | -0.15% | -0.26% | -21 bps | |
| Return on Equity | 0.21% | -0.71% | 0.59% | -0.21% | 0.07% | -0.58% | -0.62% | -1.04% | -83 bps | |
| Net Interest Margin | 3.47% | 3.15% | 3.28% | 3.19% | 3.40% | 2.90% | 3.12% | 3.09% | -9 bps | |
| Efficiency Ratio | 98.67% | 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 / Loans | 0.15% | 0.76% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.01% | 2.16% | 2.25% | 2.14% | 2.17% | 2.25% | 2.33% | 2.36% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.93% | 22.06% | 22.25% | 22.44% | 23.61% | 23.30% | 23.86% | 24.71% | +227 bps | |
| Net Worth / Assets | 21.93% | 22.06% | 22.25% | 22.44% | 23.61% | 23.30% | 23.86% | 24.71% | +227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.18% | 89.35% | 86.29% | 92.69% | 96.99% | 92.28% | 92.03% | 95.51% | +282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |