Wausau, WI · Charter 66536
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.23% | 0.65% | 0.16% | 0.16% | -0.34% | -0.13% | 0.05% | -11 bps | |
| Return on Equity | -2.35% | -2.19% | 6.30% | 1.57% | 1.58% | -3.76% | -1.49% | 0.54% | -103 bps | |
| Net Interest Margin | 3.45% | 3.51% | 3.72% | 3.58% | 3.43% | 3.08% | 3.06% | 3.09% | -50 bps | |
| Efficiency Ratio | 73.57% | 75.22% | 80.80% | 83.66% | 93.07% | 92.23% | 90.69% | 88.01% | +435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.69% | 8.80% | 8.39% | 8.00% | 8.19% | 15.42% | 14.41% | 10.56% | +256 bps | |
| Loan Growth (YoY) | 7.05% | 4.14% | 4.00% | 2.08% | -3.02% | -0.01% | 1.03% | 4.25% | +217 bps | |
| Share Growth (YoY) | 7.62% | 10.32% | 8.54% | 8.64% | 9.15% | 17.13% | 16.25% | 11.98% | +334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 1.72% | 1.87% | 1.48% | 2.32% | 1.61% | 1.81% | 1.68% | +20 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 | 0.91% | 1.07% | 1.05% | 1.04% | 1.09% | 0.97% | 1.02% | 1.05% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.56% | 10.49% | 10.28% | 10.03% | 9.89% | 9.05% | 8.87% | 9.14% | -89 bps | |
| Net Worth / Assets | 10.56% | 10.49% | 10.28% | 10.03% | 9.89% | 9.05% | 8.87% | 9.14% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.20% | 81.85% | 77.84% | 74.28% | 73.92% | 69.87% | 67.65% | 69.15% | -513 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |