Kewaunee, WI · Charter 66646
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.01% | -0.78% | -0.65% | -0.60% | -0.29% | -0.56% | -5.16% | -452 bps | |
| Return on Equity | -0.76% | -0.05% | -4.14% | -3.63% | -3.54% | -1.52% | -3.13% | -45.50% | -4,186 bps | |
| Net Interest Margin | 3.41% | 3.52% | 2.78% | 2.63% | 2.52% | 2.96% | 2.63% | 2.64% | +1 bps | |
| Efficiency Ratio | 96.99% | 92.55% | 117.61% | 114.05% | 114.41% | 103.13% | 121.36% | 295% | +18,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 3.09% | 13.06% | 13.08% | 15.75% | 6.78% | 3.96% | -0.78% | -1,385 bps | |
| Loan Growth (YoY) | 10.65% | 1.52% | -4.17% | 17.76% | 10.14% | 17.97% | 18.19% | -21.16% | -3,892 bps | |
| Share Growth (YoY) | 1.85% | 3.54% | 17.04% | 16.89% | 20.09% | 8.96% | 5.09% | 1.39% | -1,551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 4.30% | 1.97% | 1.00% | 0.35% | 0.33% | 0.31% | 2.89% | +189 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 | 2.48% | 2.82% | 2.49% | 1.93% | 1.96% | 2.02% | 2.24% | 2.51% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.98% | 20.39% | 18.85% | 17.78% | 16.90% | 18.81% | 17.91% | 11.34% | -644 bps | |
| Net Worth / Assets | 19.98% | 20.39% | 18.85% | 17.78% | 16.90% | 18.81% | 17.91% | 11.34% | -644 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.82% | 108.28% | 88.98% | 112.17% | 107.14% | 117.24% | 100.07% | 87.23% | -2,494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |