Rothschild, WI · Charter 66711
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Rothschild, WI · Charter 66711
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.83% | -0.53% | -0.46% | -0.49% | -9.54% | -871 bps | |
| Return on Equity | -3.99% | -2.61% | -2.25% | -2.35% | -79.98% | -7,599 bps | |
| Net Interest Margin | 2.43% | 2.37% | 2.39% | 2.40% | -5.85% | -829 bps | |
| Efficiency Ratio | 124.03% | 119.50% | 116.96% | 117.91% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.88% | -0.37% | 0.25% | -2.64% | -5.28% | -440 bps | |
| Loan Growth (YoY) | -5.97% | -9.62% | -12.81% | -9.69% | -5.11% | +86 bps | |
| Share Growth (YoY) | 0.07% | 1.52% | 2.21% | -1.37% | 6.06% | +598 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 0.60% | 0.00% | 0.04% | 0.26% | -78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.28% | 0.28% | 0.28% | 0.28% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.75% | 20.26% | 20.36% | 20.62% | 11.93% | -882 bps | |
| Net Worth / Assets | 20.75% | 20.26% | 20.36% | 20.62% | 11.93% | -882 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.88% | 54.29% | 53.24% | 52.73% | 48.20% | -567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |