La Crosse, WI · Charter 66611
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 | 0.68% | 0.79% | 0.33% | 0.31% | 0.42% | 0.56% | 0.63% | 0.51% | +20 bps | |
| Return on Equity | 7.58% | 8.59% | 3.68% | 3.58% | 4.68% | 6.31% | 6.95% | 5.77% | +219 bps | |
| Net Interest Margin | 3.82% | 3.81% | 3.41% | 3.28% | 3.40% | 3.32% | 3.35% | 3.22% | -6 bps | |
| Efficiency Ratio | 79.21% | 75.29% | 88.06% | 88.25% | 85.85% | 82.07% | 77.84% | 82.48% | -578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.68% | 5.58% | 11.57% | 13.59% | 12.22% | 13.39% | 5.90% | 5.57% | -803 bps | |
| Loan Growth (YoY) | 9.52% | 6.67% | -0.60% | 0.90% | 4.23% | 4.88% | 8.35% | 2.46% | +156 bps | |
| Share Growth (YoY) | 9.49% | 5.20% | 11.75% | 13.82% | 12.29% | 13.74% | 5.63% | 5.39% | -843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.50% | 0.42% | 0.50% | 0.62% | 0.58% | 0.64% | 0.47% | -3 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 | 0.45% | 0.52% | 0.54% | 0.55% | 0.46% | 0.48% | 0.57% | 0.51% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.03% | 9.24% | 8.95% | 8.68% | 8.99% | 8.94% | 9.10% | 8.88% | +20 bps | |
| Net Worth / Assets | 9.03% | 9.24% | 8.95% | 8.68% | 8.99% | 8.94% | 9.10% | 8.88% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.53% | 91.03% | 82.33% | 83.89% | 85.89% | 83.94% | 84.46% | 81.55% | -234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |