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
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -0.42% | -0.61% | -0.83% | -0.53% | -0.46% | -0.49% | -9.54% | -871 bps | |
| Return on Equity | -1.96% | -1.95% | -2.87% | -3.99% | -2.61% | -2.25% | -2.35% | -79.98% | -7,599 bps | |
| Net Interest Margin | 2.69% | 2.75% | 2.59% | 2.43% | 2.37% | 2.39% | 2.40% | -5.85% | -829 bps | |
| Efficiency Ratio | 89.50% | 93.10% | 118.54% | 124.03% | 119.50% | 116.96% | 117.91% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 6.58% | 2.07% | -0.88% | -0.37% | 0.25% | -2.64% | -5.28% | -440 bps | |
| Loan Growth (YoY) | 4.31% | 6.22% | 2.36% | -5.97% | -9.62% | -12.81% | -9.69% | -5.11% | +86 bps | |
| Share Growth (YoY) | 7.35% | 9.22% | 2.90% | 0.07% | 1.52% | 2.21% | -1.37% | 6.06% | +598 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.73% | 0.27% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.27% | 0.30% | 0.31% | 0.28% | 0.28% | 0.28% | 0.28% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.45% | 21.69% | 21.32% | 20.75% | 20.26% | 20.36% | 20.62% | 11.93% | -882 bps | |
| Net Worth / Assets | 21.45% | 21.69% | 21.32% | 20.75% | 20.26% | 20.36% | 20.62% | 11.93% | -882 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.98% | 62.41% | 57.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |