Neenah, WI · Charter 66450
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Neenah, WI · Charter 66450
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -0.17% | -1.82% | -2.71% | -4.18% | -2.59% | -2.31% | -2.21% | +50 bps | |
| Return on Equity | 1.19% | -1.21% | -14.03% | -23.71% | -42.06% | -26.46% | -23.11% | -21.95% | +176 bps | |
| Net Interest Margin | 3.91% | 4.00% | 3.87% | 3.86% | 4.01% | 3.90% | 4.02% | 4.06% | +20 bps | |
| Efficiency Ratio | 76.79% | 81.96% | 103.01% | 112.71% | 359% | 142.26% | 135.68% | 127.83% | +1,512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 8.63% | 8.14% | 4.10% | -1.25% | -0.87% | -11.30% | -15.20% | -1,930 bps | |
| Loan Growth (YoY) | 1.56% | 2.47% | 2.92% | 3.57% | -14.51% | -15.93% | -23.24% | -29.52% | -3,309 bps | |
| Share Growth (YoY) | 7.17% | 10.30% | 9.56% | 7.64% | 4.26% | 4.76% | -7.79% | -13.58% | -2,122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.10% | 3.96% | 2.90% | 1.09% | 0.92% | 0.94% | 0.87% | 1.15% | +6 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 | 1.17% | 1.30% | 1.45% | 1.66% | 2.87% | 3.40% | 3.23% | 3.66% | +200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.29% | 14.19% | 13.00% | 11.44% | 9.93% | 9.79% | 10.01% | 10.09% | -135 bps | |
| Net Worth / Assets | 14.29% | 14.19% | 13.00% | 11.44% | 9.93% | 9.79% | 10.01% | 10.09% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.72% | 73.17% | 68.17% | 65.98% | 60.44% | 58.72% | 56.74% | 53.81% | -1,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |