Wausau, WI · Charter 66614
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Wausau, WI · Charter 66614
Q1 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -2.25% | -2.59% | -4.73% | -3.75% | -5.14% | -4.96% | 0.09% | +481 bps | |
| Return on Equity | 2.62% | -13.95% | -17.82% | -34.61% | -27.55% | -45.12% | -44.90% | 0.78% | +3,539 bps | |
| Net Interest Margin | 3.75% | 4.17% | 4.01% | 3.77% | 3.99% | 4.01% | 4.06% | 3.92% | +16 bps | |
| Efficiency Ratio | 74.11% | 87.48% | 84.18% | 110.02% | 102.82% | 106.57% | 122.09% | 97.97% | -1,204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.44% | 6.03% | 3.50% | 0.04% | -6.26% | -4.94% | -9.57% | -8.11% | -815 bps | |
| Loan Growth (YoY) | 4.77% | 4.89% | 1.17% | -9.37% | -14.23% | -20.35% | -19.79% | -12.22% | -285 bps | |
| Share Growth (YoY) | 14.26% | 6.30% | 5.64% | 3.18% | -3.79% | -0.08% | -6.29% | -5.87% | -905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.21% | 6.16% | 10.47% | 8.92% | 8.07% | 6.15% | 5.97% | 6.63% | -229 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 | 0.49% | 1.12% | 2.49% | 3.02% | 2.21% | 3.25% | 3.80% | 3.90% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.53% | 16.11% | 14.53% | 13.66% | 13.63% | 11.40% | 11.05% | 11.17% | -249 bps | |
| Net Worth / Assets | 16.53% | 16.11% | 14.53% | 13.66% | 13.63% | 11.40% | 11.05% | 11.17% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.20% | 97.76% | 92.94% | 84.71% | 85.76% | 77.93% | 79.55% | 78.99% | -572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |