Neenah, WI · Charter 66566
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Neenah, WI · Charter 66566
Q1 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -2.21% | 0.17% | 0.33% | 0.03% | -1.03% | -0.40% | -0.52% | -85 bps | |
| Return on Equity | -3.49% | -14.10% | 1.04% | 2.00% | 0.18% | -7.26% | -2.98% | -4.08% | -607 bps | |
| Net Interest Margin | 3.82% | 4.27% | 3.94% | 3.77% | 3.50% | 3.01% | 3.09% | 3.08% | -69 bps | |
| Efficiency Ratio | 113.74% | 84.17% | 74.99% | 77.69% | 81.65% | 113.55% | 98.42% | 100.32% | +2,263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 7.91% | -2.02% | 1.54% | 10.79% | 11.79% | 18.65% | 24.04% | +2,249 bps | |
| Loan Growth (YoY) | 4.66% | 2.53% | -0.06% | -6.80% | -6.72% | 12.86% | 22.26% | 21.20% | +2,800 bps | |
| Share Growth (YoY) | 16.12% | 5.86% | -7.85% | -2.12% | 8.82% | 14.41% | 24.26% | 31.25% | +3,336 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 4.11% | 2.75% | 2.74% | 2.26% | 1.38% | 1.61% | 2.06% | -68 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 | 1.13% | 1.27% | 1.04% | 0.39% | 0.66% | 0.78% | 0.62% | 1.07% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.42% | 15.65% | 16.48% | 16.61% | 15.76% | 14.26% | 13.54% | 12.79% | -382 bps | |
| Net Worth / Assets | 17.42% | 15.65% | 16.48% | 16.61% | 15.76% | 14.26% | 13.54% | 12.79% | -382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.51% | 82.34% | 83.76% | 79.80% | 78.44% | 81.22% | 82.41% | 73.69% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |