Wausau, WI · Charter 66508
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Wausau, WI · Charter 66508
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.44% | -0.70% | -0.09% | -0.18% | -0.40% | -1.46% | -1.14% | -105 bps | |
| Return on Equity | -2.54% | -4.20% | -6.70% | -0.91% | -1.87% | -4.16% | -16.51% | -13.12% | -1,221 bps | |
| Net Interest Margin | 3.99% | 3.79% | 4.12% | 3.84% | 3.85% | 3.85% | 4.00% | 3.88% | +4 bps | |
| Efficiency Ratio | 81.67% | 99.23% | 90.98% | 89.86% | 90.32% | 94.19% | 91.47% | 120.15% | +3,029 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 0.69% | -4.10% | -1.15% | -3.13% | -4.95% | -5.16% | -7.60% | -645 bps | |
| Loan Growth (YoY) | -4.00% | -5.50% | -5.74% | -8.76% | -2.17% | 0.21% | -2.63% | -0.57% | +819 bps | |
| Share Growth (YoY) | 5.74% | 0.66% | -4.03% | 2.11% | -5.20% | -6.75% | -4.27% | -6.74% | -886 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 2.11% | 0.85% | 1.26% | 1.59% | 0.80% | 1.12% | 0.84% | -42 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 | 1.11% | 1.13% | 1.19% | 2.18% | 2.13% | 2.21% | 3.78% | 3.67% | +149 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.62% | 10.45% | 10.45% | 9.64% | 9.67% | 9.59% | 8.84% | 8.69% | -95 bps | |
| Net Worth / Assets | 10.62% | 10.45% | 10.45% | 9.64% | 9.67% | 9.59% | 8.84% | 8.69% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.34% | 79.64% | 83.23% | 78.89% | 84.97% | 85.58% | 84.66% | 84.12% | +523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |