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Sacred Heart Hospital Employees

Eau Claire, WI · Charter 66666

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sacred Heart Hospital Employees

Eau Claire, WI · Charter 66666

Q4 2013

$4.7MAssets
$1.5MLoans
$4.0MShares
$637KNet Worth

Executive Summary

  • Earnings: ROA of -0.68%, down 50 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 1.24% of loans (+108 bps YoY).
  • Capital: net worth / assets of 13.65%, down 121 bps from a year ago.
  • Funding: loans stand at 36.30% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-0.68%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-55 bps YoY

Efficiency Ratio (YTD, annualized)

120.29%+1,257 bps YoY

Net Worth / Assets

13.65%-121 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.68%-0.01%-0.31%-0.18%0.02%-0.35%-0.64%-0.68%-50 bps
Return on Equity-4.64%-0.09%-2.10%-1.21%0.17%-2.52%-4.69%-4.97%-375 bps
Net Interest Margin2.89%3.07%3.03%3.10%2.60%2.67%2.57%2.56%-55 bps
Efficiency Ratio114.83%108.94%110.05%107.73%116.38%116.71%124.08%120.29%+1,257 bps
Growth
Asset Growth (YoY)1.84%2.17%3.84%2.23%2.58%3.13%3.39%3.68%+145 bps
Loan Growth (YoY)-17.04%-3.30%-9.93%0.97%1.80%-11.91%-10.04%-21.39%-2,236 bps
Share Growth (YoY)2.26%2.55%4.55%2.85%3.00%4.17%4.42%5.17%+232 bps
Asset Quality
Delinquent Loans / Loans0.54%0.35%0.59%0.16%0.15%0.92%0.73%1.24%+108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.85%0.28%0.39%0.34%0.05%0.20%0.33%0.80%+46 bps
Capital
Risk-Based Capital14.74%14.83%14.59%14.85%14.36%14.04%13.68%13.65%-121 bps
Net Worth / Assets14.74%14.83%14.59%14.85%14.36%14.04%13.68%13.65%-121 bps
Liquidity & Funding
Loans / Shares43.76%49.70%48.36%48.57%43.25%42.03%41.67%36.30%-1,226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps