Green Bay, WI · Charter 66650
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Green Bay, WI · Charter 66650
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 | -0.20% | -3.34% | 0.44% | 0.05% | 0.04% | -1.10% | -0.73% | -1.04% | -109 bps | |
| Return on Equity | -3.20% | -90.33% | 10.55% | 1.27% | 1.08% | -30.84% | -24.88% | -41.01% | -4,228 bps | |
| Net Interest Margin | 3.36% | 3.50% | 3.74% | 3.83% | 3.84% | 4.01% | 3.69% | 3.56% | -27 bps | |
| Efficiency Ratio | 76.72% | 78.62% | 85.03% | 93.53% | 93.59% | 106.22% | 117.58% | 108.90% | +1,537 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 188.52% | 179.48% | 155.10% | -5.11% | -6.27% | -8.86% | -3.90% | -2.56% | +255 bps | |
| Loan Growth (YoY) | 155.97% | 127.09% | 95.64% | -13.23% | -16.67% | -7.44% | -8.37% | -15.26% | -203 bps | |
| Share Growth (YoY) | 198.55% | 190.09% | 186.77% | -0.63% | -4.40% | -6.92% | -2.11% | -0.32% | +31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 3.43% | 3.96% | 4.34% | 4.82% | 6.00% | 3.94% | 2.20% | -214 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 | 4.91% | 3.12% | 3.32% | 3.33% | 3.62% | 4.49% | 1.80% | 2.47% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.11% | 3.69% | 4.12% | 4.05% | 4.06% | 3.56% | 2.92% | 2.54% | -150 bps | |
| Net Worth / Assets | 6.11% | 3.69% | 4.12% | 4.05% | 4.06% | 3.56% | 2.92% | 2.54% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.36% | 74.13% | 72.25% | 73.87% | 69.18% | 73.73% | 67.63% | 62.80% | -1,107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |