Cudahy, WI · Charter 66631
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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.
Cudahy, WI · Charter 66631
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.11% | 0.01% | -0.42% | 0.07% | 0.33% | 0.30% | 0.40% | +82 bps | |
| Return on Equity | -5.90% | -1.03% | 0.05% | -4.00% | 0.69% | 2.84% | 2.43% | 3.15% | +715 bps | |
| Net Interest Margin | 3.54% | 3.74% | 3.93% | 4.26% | 4.14% | 4.61% | 4.91% | 4.85% | +59 bps | |
| Efficiency Ratio | 77.39% | 77.74% | 77.45% | 83.19% | 81.59% | 88.72% | 90.27% | 87.14% | +395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 11.19% | 14.09% | 8.66% | 4.95% | -2.31% | -8.44% | -10.80% | -1,946 bps | |
| Loan Growth (YoY) | 1.97% | 5.35% | 10.15% | 5.27% | 11.41% | -2.60% | -8.69% | -10.90% | -1,617 bps | |
| Share Growth (YoY) | 12.15% | 11.09% | 16.16% | 9.40% | 5.31% | -1.08% | -10.36% | -12.95% | -2,235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.30% | 1.87% | 1.31% | 2.01% | 1.96% | 2.32% | 2.33% | +102 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 | 0.46% | 0.51% | 0.73% | 0.57% | 0.91% | 1.04% | 1.15% | 1.35% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.61% | 10.84% | 11.04% | 10.62% | 10.46% | 11.51% | 12.47% | 12.58% | +196 bps | |
| Net Worth / Assets | 10.61% | 10.84% | 11.04% | 10.62% | 10.46% | 11.51% | 12.47% | 12.58% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.91% | 82.04% | 82.93% | 78.76% | 80.31% | 80.79% | 84.47% | 80.62% | +186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |