Wausau, WI · Charter 66432
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wausau, WI · Charter 66432
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.24% | 0.08% | 0.22% | -0.37% | -0.09% | -1.04% | 0.39% | +17 bps | |
| Return on Equity | 2.39% | 1.82% | 0.62% | 1.67% | -2.95% | -0.63% | -8.11% | 3.00% | +133 bps | |
| Net Interest Margin | 4.38% | 4.16% | 4.13% | 4.44% | 4.03% | 4.30% | 4.33% | 4.67% | +22 bps | |
| Efficiency Ratio | 90.36% | 92.64% | 96.62% | 86.21% | 82.51% | 94.85% | 96.24% | 91.87% | +567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.06% | -0.01% | 1.26% | -2.55% | 3.06% | -3.90% | -3.24% | -6.63% | -408 bps | |
| Loan Growth (YoY) | -3.29% | 4.70% | 12.40% | 4.82% | 13.08% | 5.29% | -2.73% | -17.37% | -2,218 bps | |
| Share Growth (YoY) | -4.11% | -0.47% | 1.06% | -3.24% | 4.03% | -4.20% | -2.37% | -6.49% | -326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.49% | 1.85% | 2.08% | 2.50% | 2.66% | 3.59% | 3.06% | +98 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 | 0.41% | 0.38% | 0.37% | 0.20% | 0.19% | 0.19% | 0.78% | 0.89% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.32% | 13.19% | 13.42% | 13.19% | 12.66% | 13.56% | 12.83% | 13.11% | -8 bps | |
| Net Worth / Assets | 13.32% | 13.19% | 13.42% | 13.19% | 12.66% | 13.56% | 12.83% | 13.11% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.32% | 73.29% | 78.93% | 75.58% | 75.34% | 80.55% | 78.64% | 66.79% | -879 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |