Sheboygan, WI · Charter 66465
Q2 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sheboygan, WI · Charter 66465
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.85% | -2.80% | -3.51% | -4.91% | -5.35% | -4.05% | -3.82% | -19.48% | -1,457 bps | |
| Return on Equity | -13.16% | -12.66% | -16.73% | -25.55% | -30.53% | -20.97% | -21.75% | -200% | -17,477 bps | |
| Net Interest Margin | 4.88% | 4.92% | 4.16% | 3.84% | 3.80% | 3.96% | 2.97% | 3.09% | -75 bps | |
| Efficiency Ratio | 150.85% | 141.51% | 130.38% | 140.33% | 133.81% | 64.34% | 215% | 381% | +24,073 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.02% | -8.36% | -4.13% | -5.82% | -1.91% | -5.21% | -2.39% | -7.97% | -215 bps | |
| Loan Growth (YoY) | -4.91% | -13.80% | -21.10% | -16.51% | -17.52% | -18.48% | -20.68% | -21.79% | -527 bps | |
| Share Growth (YoY) | 6.85% | -7.67% | -0.91% | -2.41% | 3.19% | -1.77% | 1.74% | 0.06% | +248 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.23% | 3.52% | 4.43% | 5.82% | 13.93% | 13.32% | 13.59% | 14.49% | +867 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 | 1.34% | 1.63% | 2.74% | 3.60% | 2.64% | 10.12% | 11.53% | 21.62% | +1,802 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.64% | 22.15% | 20.96% | 19.21% | 17.51% | 19.32% | 17.54% | 9.72% | -949 bps | |
| Net Worth / Assets | 21.64% | 22.15% | 20.96% | 19.21% | 17.51% | 19.32% | 17.54% | 9.72% | -949 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.05% | 75.13% | 70.82% | 67.34% | 59.99% | 62.35% | 55.21% | 52.63% | -1,470 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |