Madison, WI · Charter 66453
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -1.05% | -1.21% | -1.50% | -1.50% | -1.54% | -1.56% | -2.16% | -66 bps | |
| Return on Equity | -4.99% | -6.18% | -7.27% | -9.39% | -9.77% | -9.90% | -10.16% | -14.83% | -544 bps | |
| Net Interest Margin | 3.19% | 3.13% | 3.06% | 2.60% | 2.50% | 2.59% | 2.56% | 2.40% | -20 bps | |
| Efficiency Ratio | 116.26% | 121.94% | 122.27% | 139.97% | 140.64% | 140.20% | 138.68% | 161.09% | +2,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | 4.39% | 3.72% | 2.92% | 2.91% | -0.51% | -1.32% | -1.58% | -450 bps | |
| Loan Growth (YoY) | -15.85% | -15.98% | -20.45% | -14.69% | -11.29% | -10.79% | -7.66% | -6.65% | +804 bps | |
| Share Growth (YoY) | -0.75% | 7.15% | 6.38% | 5.33% | 5.42% | 1.25% | 0.31% | 0.15% | -518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.31% | 3.58% | 3.32% | 3.32% | 3.21% | 2.95% | 4.05% | 4.11% | +79 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 | 1.12% | 1.03% | 1.27% | 1.45% | 1.48% | 1.41% | 1.61% | 1.79% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.34% | 17.02% | 16.65% | 16.00% | 15.35% | 15.53% | 15.31% | 14.56% | -144 bps | |
| Net Worth / Assets | 17.34% | 17.02% | 16.65% | 16.00% | 15.35% | 15.53% | 15.31% | 14.56% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.88% | 48.78% | 46.86% | 43.84% | 41.98% | 42.98% | 43.13% | 40.86% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |