Eau Claire, WI · Charter 66612
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.
Eau Claire, WI · Charter 66612
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 | 0.15% | 0.11% | 0.38% | 0.28% | 0.01% | 0.21% | -3.28% | 0.09% | -19 bps | |
| Return on Equity | 0.62% | 0.45% | 1.63% | 1.20% | 0.04% | 0.96% | -16.05% | 0.40% | -80 bps | |
| Net Interest Margin | 4.60% | 4.17% | 4.29% | 4.08% | 3.96% | 3.68% | 3.76% | 4.02% | -7 bps | |
| Efficiency Ratio | 86.47% | 97.46% | 91.08% | 93.18% | 95.80% | 94.19% | 96.89% | 97.85% | +468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.24% | 1.02% | 2.27% | 3.02% | 8.42% | 4.96% | 2.15% | -4.09% | -711 bps | |
| Loan Growth (YoY) | -12.84% | -12.44% | -9.09% | -10.35% | -2.65% | 1.52% | -8.67% | -21.07% | -1,072 bps | |
| Share Growth (YoY) | -1.84% | 1.25% | 3.03% | 3.30% | 11.05% | 6.42% | 6.05% | -1.60% | -490 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.25% | 4.07% | 4.08% | 2.07% | 2.85% | 1.53% | 7.40% | 6.32% | +425 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 | 1.51% | 1.33% | 1.44% | 1.43% | 1.54% | 1.53% | 5.55% | 6.14% | +471 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.96% | 23.44% | 23.55% | 23.22% | 22.11% | 22.37% | 20.42% | 21.51% | -171 bps | |
| Net Worth / Assets | 23.96% | 23.44% | 23.55% | 23.22% | 22.11% | 22.37% | 20.42% | 21.51% | -171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.59% | 88.93% | 89.03% | 88.52% | 82.92% | 84.84% | 76.67% | 71.00% | -1,752 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |