Kenosha, WI · Charter 66535
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Kenosha, WI · Charter 66535
Q2 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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | -0.25% | -0.19% | -5.17% | -3.81% | -6.55% | -4.46% | -2.55% | +262 bps | |
| Return on Equity | 5.61% | -2.73% | -2.29% | -83.96% | -64.86% | -235% | -255% | -153.22% | -6,927 bps | |
| Net Interest Margin | 3.16% | 3.17% | 2.89% | 2.94% | 2.95% | 3.15% | 2.87% | 2.86% | -9 bps | |
| Efficiency Ratio | 77.51% | 93.92% | 100.55% | 103.21% | 112.36% | 113.62% | 101.00% | 106.83% | +362 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.87% | 4.52% | 9.49% | 4.03% | 4.43% | -2.32% | -10.98% | -11.16% | -1,519 bps | |
| Loan Growth (YoY) | 5.48% | 0.06% | -1.67% | -1.55% | -5.03% | -7.19% | -11.41% | -16.39% | -1,483 bps | |
| Share Growth (YoY) | 13.94% | 11.18% | 17.22% | 12.37% | 8.84% | 4.90% | -4.72% | -7.12% | -1,949 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 2.21% | 5.75% | 7.40% | 7.06% | 11.74% | 15.12% | 14.31% | +691 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 | 0.55% | 0.61% | 0.59% | 4.21% | 3.91% | 9.21% | 10.99% | 10.53% | +632 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.47% | 9.15% | 8.49% | 6.16% | 5.88% | 2.79% | 1.75% | 1.66% | -449 bps | |
| Net Worth / Assets | 9.47% | 9.15% | 8.49% | 6.16% | 5.88% | 2.79% | 1.75% | 1.66% | -449 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.54% | 72.70% | 66.07% | 65.73% | 63.29% | 64.33% | 61.43% | 59.17% | -656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |