Madison, WI · Charter 66384
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.32% | -0.36% | -0.27% | -0.30% | -0.26% | -0.41% | -1.16% | -89 bps | |
| Return on Equity | -2.39% | -1.91% | -2.17% | -1.64% | -1.83% | -1.54% | -2.45% | -6.57% | -494 bps | |
| Net Interest Margin | 1.88% | 1.92% | 1.86% | 1.86% | 1.86% | 1.95% | 1.97% | 2.21% | +34 bps | |
| Efficiency Ratio | 119.18% | 115.66% | 118.33% | 113.85% | 115.21% | 112.63% | 119.32% | 148.28% | +3,443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.26% | -1.64% | -0.47% | -4.24% | -2.40% | -3.69% | -2.32% | -9.35% | -511 bps | |
| Loan Growth (YoY) | 0.68% | 5.10% | 4.05% | 17.06% | 29.33% | 33.79% | 42.70% | 21.70% | +464 bps | |
| Share Growth (YoY) | 0.11% | -1.97% | -0.57% | -5.05% | -3.12% | -4.09% | -2.48% | -10.45% | -540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.17% | 0.11% | 0.20% | 0.18% | 0.48% | 0.38% | 0.90% | +70 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 | 0.50% | 0.64% | 0.64% | 0.56% | 0.51% | 0.44% | 0.41% | 0.39% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.03% | 16.85% | 16.48% | 16.68% | 16.60% | 17.23% | 16.61% | 17.69% | +101 bps | |
| Net Worth / Assets | 16.03% | 16.85% | 16.48% | 16.68% | 16.60% | 17.23% | 16.61% | 17.69% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.20% | 48.29% | 47.07% | 54.76% | 60.34% | 67.36% | 68.87% | 74.42% | +1,966 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |