Marinette, WI · Charter 66482
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 | -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 Margin | 2.38% | 2.49% | 2.39% | 2.49% | 2.59% | 2.77% | 2.74% | 0.18% | -232 bps | |
| Efficiency Ratio | 101.77% | 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 / Loans | 0.00% | 1.15% | 1.21% | 1.13% | 0.96% | 0.91% | 3.18% | 0.00% | -113 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 | 2.44% | 2.52% | 2.72% | 2.60% | 2.36% | 8.84% | 9.14% | 0.04% | -256 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.41% | 20.95% | 20.97% | 20.73% | 21.30% | 20.34% | 21.82% | 17.30% | -343 bps | |
| Net Worth / Assets | 20.41% | 20.95% | 20.97% | 20.73% | 21.30% | 20.34% | 21.82% | 17.30% | -343 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.15% | 43.85% | 40.74% | 42.25% | 48.05% | 49.95% | 53.45% | 40.16% | -208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |