Oak Creek, WI · Charter 66464
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Oak Creek, WI · Charter 66464
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.06% | 0.10% | -0.24% | -0.12% | -0.26% | -0.43% | -6.36% | -612 bps | |
| Return on Equity | 0.81% | 0.24% | 0.42% | -1.11% | -0.53% | -1.17% | -1.93% | -31.61% | -3,051 bps | |
| Net Interest Margin | 3.45% | 3.53% | 3.55% | 3.04% | 2.94% | 3.03% | 3.05% | 2.65% | -39 bps | |
| Efficiency Ratio | 95.77% | 98.29% | 97.41% | 106.36% | 103.01% | 106.09% | 110.61% | 293% | +18,696 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.89% | -4.61% | -6.99% | 2.63% | 4.07% | 4.31% | 3.73% | -1.00% | -363 bps | |
| Loan Growth (YoY) | -1.71% | -7.98% | -7.61% | -3.98% | -7.10% | -1.64% | 1.87% | -3.10% | +88 bps | |
| Share Growth (YoY) | 3.70% | -5.98% | -8.99% | 3.40% | 5.39% | 5.70% | 5.50% | 1.36% | -205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 1.39% | 1.29% | 1.43% | 1.60% | 0.57% | 0.42% | 0.50% | -94 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 | 0.86% | 0.91% | 0.93% | 0.89% | 0.89% | 0.83% | 0.89% | 0.91% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.80% | 23.15% | 23.60% | 21.82% | 21.82% | 22.05% | 22.35% | 20.13% | -170 bps | |
| Net Worth / Assets | 22.80% | 23.15% | 23.60% | 21.82% | 21.82% | 22.05% | 22.35% | 20.13% | -170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.12% | 80.23% | 78.23% | 70.91% | 70.62% | 74.66% | 75.54% | 67.79% | -311 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |