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Veterans Administration

Milwaukee, WI · Charter 66407

Q2 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: Q2 2013, the quarter ended June 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

Veterans Administration

Milwaukee, WI · Charter 66407

Q2 2013

$15.2MAssets
$7.0MLoans
$13.9MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, down 23 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.50% of loans (+2 bps YoY).
  • Capital: net worth / assets of 7.95%, up 11 bps from a year ago.
  • Funding: loans stand at 50.39% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

0.20%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-23 bps YoY

Efficiency Ratio (YTD, annualized)

95.76%+428 bps YoY

Net Worth / Assets

7.95%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.07%0.07%0.13%0.42%0.35%0.23%0.10%0.20%-23 bps
Return on Equity0.86%0.90%1.74%5.40%4.44%2.87%1.27%2.47%-294 bps
Net Interest Margin3.04%3.11%2.69%2.71%2.71%2.79%2.47%2.48%-23 bps
Efficiency Ratio96.85%96.75%97.19%91.47%92.04%93.57%97.84%95.76%+428 bps
Growth
Asset Growth (YoY)6.28%1.38%8.12%7.25%6.74%5.19%0.79%0.00%-724 bps
Loan Growth (YoY)12.94%0.26%2.37%-0.33%1.50%-1.04%-2.03%-3.19%-285 bps
Share Growth (YoY)7.77%2.29%8.86%7.64%6.70%5.35%0.79%0.09%-755 bps
Asset Quality
Delinquent Loans / Loans0.60%0.29%0.45%0.48%0.67%0.43%0.67%0.50%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.54%0.43%0.44%0.45%0.44%0.54%0.54%0.55%+10 bps
Capital
Risk-Based Capital7.99%8.22%7.59%7.84%7.77%8.04%7.74%7.95%+11 bps
Net Worth / Assets7.99%8.22%7.59%7.84%7.77%8.04%7.74%7.95%+11 bps
Liquidity & Funding
Loans / Shares54.85%56.72%51.60%52.10%52.17%53.28%50.16%50.39%-170 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps