Beaver Dam, WI · Charter 66691
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 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.
Beaver Dam, WI · Charter 66691
Q2 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.14% | -0.74% | -0.07% | -0.55% | -49 bps | |
| Return on Equity | -0.29% | -0.62% | -3.45% | -0.31% | -2.54% | -225 bps | |
| Net Interest Margin | 4.53% | 4.19% | 3.61% | 3.18% | 2.96% | -157 bps | |
| Efficiency Ratio | 98.59% | 103.29% | 116.31% | 102.06% | 118.70% | +2,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.33% | -7.55% | -1.22% | -3.27% | -2.28% | +805 bps | |
| Loan Growth (YoY) | -28.43% | -29.66% | -20.94% | -34.50% | -36.97% | -854 bps | |
| Share Growth (YoY) | -12.95% | -9.44% | -0.69% | -2.60% | -0.87% | +1,208 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 1.20% | 0.00% | 0.00% | 0.00% | -105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.41% | 1.38% | 1.64% | 1.95% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.50% | 22.56% | 21.29% | 21.15% | 21.80% | -70 bps | |
| Net Worth / Assets | 22.50% | 22.56% | 21.29% | 21.15% | 21.80% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.15% | 79.95% | 77.52% | 65.65% | 57.96% | -3,319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |