Fond Du Lac, WI · Charter 66487
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Fond Du Lac, WI · Charter 66487
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | -0.05% | 0.16% | -0.50% | 0.68% | -1.07% | -0.80% | -5.64% | -514 bps | |
| Return on Equity | 1.52% | -0.20% | 0.70% | -2.21% | 2.88% | -4.67% | -3.65% | -25.98% | -2,378 bps | |
| Net Interest Margin | 4.19% | 3.99% | 3.84% | 3.59% | 3.82% | 3.86% | 3.73% | 3.46% | -13 bps | |
| Efficiency Ratio | 95.17% | 101.38% | 103.84% | 113.80% | 105.84% | 109.18% | 105.91% | 146.07% | +3,227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | 0.63% | 0.51% | -0.69% | -1.27% | -3.96% | -2.52% | -5.76% | -507 bps | |
| Loan Growth (YoY) | -5.75% | -18.07% | -17.05% | -4.85% | -8.56% | -6.83% | -13.49% | -24.82% | -1,997 bps | |
| Share Growth (YoY) | -2.67% | 1.60% | 0.46% | -0.71% | -2.06% | -4.35% | -2.23% | -4.85% | -414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.02% | 5.88% | 5.51% | 6.08% | 7.29% | 7.83% | 7.16% | 5.74% | -35 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 | 2.13% | 2.41% | 1.88% | 1.80% | 1.25% | 1.38% | 1.57% | 3.59% | +178 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.94% | 22.58% | 22.25% | 22.46% | 23.56% | 22.91% | 22.02% | 21.71% | -75 bps | |
| Net Worth / Assets | 22.94% | 22.58% | 22.25% | 22.46% | 23.56% | 22.91% | 22.02% | 21.71% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.62% | 82.45% | 82.39% | 87.68% | 84.60% | 80.32% | 72.90% | 69.28% | -1,840 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |