Menasha, WI · Charter 66468
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 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.
Menasha, WI · Charter 66468
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.31% | 0.21% | 0.18% | 0.15% | 0.05% | -1.16% | -1.20% | -138 bps | |
| Return on Equity | 2.60% | 2.92% | 1.97% | 1.77% | 1.45% | 0.46% | -11.81% | -12.56% | -1,433 bps | |
| Net Interest Margin | 2.13% | 1.81% | 1.73% | 1.71% | 1.72% | 1.64% | 1.68% | 1.68% | -3 bps | |
| Efficiency Ratio | 82.80% | 85.80% | 87.52% | 86.37% | 86.56% | 88.12% | 92.03% | 94.31% | +794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 11.52% | 7.37% | 14.19% | 12.13% | 3.10% | 0.56% | -2.18% | -1,637 bps | |
| Loan Growth (YoY) | 4.34% | 5.98% | 6.95% | 9.18% | 5.58% | 4.38% | 4.63% | -3.46% | -1,264 bps | |
| Share Growth (YoY) | 4.14% | 12.76% | 8.14% | 15.84% | 13.64% | 3.42% | 1.32% | -1.48% | -1,732 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.40% | 2.47% | 4.56% | 3.77% | 6.18% | 4.04% | 4.56% | 6.13% | +237 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 | 0.99% | 0.78% | 0.85% | 0.83% | 0.78% | 0.78% | 2.52% | 3.61% | +278 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.37% | 10.51% | 10.43% | 10.23% | 10.29% | 10.28% | 9.84% | 9.57% | -66 bps | |
| Net Worth / Assets | 11.37% | 10.51% | 10.43% | 10.23% | 10.29% | 10.28% | 9.84% | 9.57% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.09% | 36.19% | 36.82% | 37.30% | 36.31% | 36.52% | 38.02% | 36.55% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |