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Public Service

Marinette, WI · Charter 66482

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Public Service

Marinette, WI · Charter 66482

Q2 2013

$1.5MAssets
$501KLoans
$1.2MShares
$261KNet Worth

Executive Summary

  • Earnings: ROA of -15.12%, down 1,489 bps year over year; NIM at 0.18%.
  • Asset quality: problem loans at 0.00% of loans (-113 bps YoY).
  • Capital: net worth / assets of 17.30%, down 343 bps from a year ago.
  • Funding: loans stand at 40.16% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-15.12%-1,489 bps YoY

Net Interest Margin (YTD, annualized)

0.18%-232 bps YoY

Efficiency Ratio (YTD, annualized)

2236%+212,622 bps YoY

Net Worth / Assets

17.30%-343 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.04%0.12%-0.12%-0.23%-0.04%-2.53%0.19%-15.12%-1,489 bps
Return on Equity-0.21%0.59%-0.56%-1.12%-0.19%-12.44%0.87%-87.39%-8,627 bps
Net Interest Margin2.38%2.49%2.39%2.49%2.59%2.77%2.74%0.18%-232 bps
Efficiency Ratio101.77%95.09%104.91%109.97%101.61%98.83%85.60%2236%+212,622 bps
Growth
Asset Growth (YoY)9.62%12.04%8.41%-1.77%-3.60%-8.40%-14.20%-25.43%-2,366 bps
Loan Growth (YoY)-19.67%-21.92%-17.17%-11.65%3.63%5.15%11.34%-26.07%-1,442 bps
Share Growth (YoY)12.52%15.53%10.64%-2.25%-4.78%-7.69%-15.12%-22.23%-1,998 bps
Asset Quality
Delinquent Loans / Loans0.00%1.15%1.21%1.13%0.96%0.91%3.18%0.00%-113 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.44%2.52%2.72%2.60%2.36%8.84%9.14%0.04%-256 bps
Capital
Risk-Based Capital20.41%20.95%20.97%20.73%21.30%20.34%21.82%17.30%-343 bps
Net Worth / Assets20.41%20.95%20.97%20.73%21.30%20.34%21.82%17.30%-343 bps
Liquidity & Funding
Loans / Shares44.15%43.85%40.74%42.25%48.05%49.95%53.45%40.16%-208 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps