Oshkosh, WI · Charter 66604
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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.
Oshkosh, WI · Charter 66604
Q2 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.67% | -0.52% | -0.61% | -0.50% | -0.40% | -0.61% | -0.12% | -4.76% | -426 bps | |
| Return on Equity | -24.55% | -3.24% | -4.11% | -3.49% | -2.89% | -4.62% | -0.78% | -33.43% | -2,994 bps | |
| Net Interest Margin | 2.33% | 1.66% | 1.46% | 1.29% | 1.39% | 1.30% | 1.63% | 1.98% | +70 bps | |
| Efficiency Ratio | 84.42% | 72.37% | 92.67% | 101.74% | 128.40% | 134.23% | 106.94% | 118.06% | +1,632 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.79% | 23.26% | 28.50% | 37.49% | 39.82% | 14.57% | -5.71% | -17.58% | -5,507 bps | |
| Loan Growth (YoY) | 16.64% | -2.20% | -14.61% | -12.59% | -14.31% | -19.04% | 0.50% | -1.04% | +1,155 bps | |
| Share Growth (YoY) | 3.98% | 29.15% | 35.96% | 48.02% | 50.11% | 18.80% | -5.58% | -17.45% | -6,548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.00% | 0.00% | 0.00% | 0.97% | 0.41% | 11.12% | 10.22% | +1,022 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 | 0.56% | 0.57% | 0.63% | 0.61% | 0.65% | 0.70% | 0.62% | 4.89% | +427 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.02% | 16.15% | 14.94% | 14.38% | 13.85% | 13.26% | 15.01% | 14.24% | -14 bps | |
| Net Worth / Assets | 19.02% | 16.15% | 14.94% | 14.38% | 13.85% | 13.26% | 15.01% | 14.24% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.10% | 60.67% | 51.03% | 50.12% | 45.16% | 41.34% | 54.31% | 60.08% | +996 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |