Oconomowoc, WI · Charter 66502
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Oconomowoc, WI · Charter 66502
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.67% | -0.68% | -0.80% | -0.65% | -1.12% | -0.89% | -1.30% | -49 bps | |
| Return on Equity | -4.77% | -5.08% | -5.45% | -5.61% | -5.02% | -10.36% | -7.53% | -11.68% | -607 bps | |
| Net Interest Margin | 3.23% | 2.81% | 2.68% | 3.25% | 2.49% | 2.14% | 2.60% | 2.51% | -74 bps | |
| Efficiency Ratio | 121.38% | 123.69% | 125.31% | 120.66% | 126.05% | 145.69% | 134.06% | 151.25% | +3,058 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.77% | 5.18% | 5.06% | 6.25% | 5.94% | 9.99% | -7.49% | 10.04% | +379 bps | |
| Loan Growth (YoY) | -20.87% | -21.56% | -13.72% | -18.85% | -14.26% | -12.82% | 5.03% | 5.76% | +2,462 bps | |
| Share Growth (YoY) | 6.04% | 6.74% | 6.67% | 8.32% | 7.76% | 12.94% | -6.74% | 13.97% | +565 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 3.81% | 3.51% | 0.00% | 2.21% | 3.67% | 3.04% | 3.66% | +366 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 | 3.57% | 3.65% | 3.63% | 3.70% | 4.00% | 4.05% | 3.36% | 3.63% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.55% | 13.22% | 12.52% | 14.31% | 13.00% | 10.83% | 11.81% | 11.09% | -323 bps | |
| Net Worth / Assets | 14.55% | 13.22% | 12.52% | 14.31% | 13.00% | 10.83% | 11.81% | 11.09% | -323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.54% | 46.83% | 45.18% | 49.69% | 41.81% | 36.15% | 50.88% | 46.11% | -358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |