Eau Claire, WI · Charter 66509
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Eau Claire, WI · Charter 66509
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.54% | 0.67% | 0.56% | 0.53% | 0.42% | -0.25% | 0.13% | -42 bps | |
| Return on Equity | 3.53% | 2.94% | 3.55% | 3.02% | 3.03% | 2.16% | -1.33% | 0.71% | -231 bps | |
| Net Interest Margin | 5.62% | 5.73% | 5.82% | 5.75% | 5.45% | 5.96% | 6.06% | 5.68% | -7 bps | |
| Efficiency Ratio | 62.03% | 65.96% | 63.28% | 61.41% | 59.28% | 63.89% | 67.61% | 60.06% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.15% | 7.44% | 0.97% | 1.18% | 5.57% | -1.66% | -2.53% | -3.90% | -508 bps | |
| Loan Growth (YoY) | 4.22% | 9.42% | 6.90% | 2.04% | -1.06% | -5.63% | -7.28% | -15.63% | -1,767 bps | |
| Share Growth (YoY) | 13.99% | 8.11% | 0.46% | 0.59% | 6.05% | -2.73% | -2.82% | -4.36% | -496 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.27% | 8.57% | 11.95% | 3.78% | 6.78% | 4.98% | 5.74% | 5.83% | +205 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 | 5.99% | 5.65% | 6.28% | 5.30% | 6.11% | 6.16% | 7.58% | 8.80% | +350 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.80% | 18.40% | 18.86% | 18.46% | 17.44% | 19.28% | 19.09% | 18.85% | +39 bps | |
| Net Worth / Assets | 17.80% | 18.40% | 18.86% | 18.46% | 17.44% | 19.28% | 19.09% | 18.85% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.25% | 101.47% | 100.78% | 100.67% | 89.79% | 98.45% | 96.15% | 88.82% | -1,186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |