Oconomowoc, WI · Charter 66773
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Oconomowoc, WI · Charter 66773
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.02% | 0.59% | 0.29% | 0.25% | 0.02% | 0.55% | 0.02% | -27 bps | |
| Return on Equity | 0.50% | 0.10% | 3.01% | 1.52% | 1.31% | 0.09% | 2.55% | 0.09% | -144 bps | |
| Net Interest Margin | 3.90% | 4.78% | 5.38% | 5.08% | 4.91% | 5.79% | 4.50% | 3.75% | -133 bps | |
| Efficiency Ratio | 97.66% | 99.54% | 89.14% | 94.29% | 95.02% | 99.62% | 41.21% | 53.09% | -4,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.04% | 5.60% | 7.68% | 4.56% | 0.64% | -6.48% | -9.89% | -13.12% | -1,768 bps | |
| Loan Growth (YoY) | -10.41% | 13.80% | 4.71% | 0.34% | -16.97% | -28.29% | -30.10% | -34.86% | -3,520 bps | |
| Share Growth (YoY) | 3.82% | 7.25% | 9.48% | 5.67% | 0.62% | -8.31% | -12.27% | -16.10% | -2,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 29.71% | +2,971 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 | 1.65% | 1.57% | 1.75% | 1.81% | 1.99% | 2.19% | 4.08% | 5.64% | +383 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.82% | 21.78% | 19.48% | 19.26% | 18.84% | 23.31% | 21.62% | 22.03% | +277 bps | |
| Net Worth / Assets | 18.82% | 21.78% | 19.48% | 19.26% | 18.84% | 23.31% | 21.62% | 22.03% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.99% | 68.16% | 52.98% | 50.44% | 44.56% | 53.30% | 42.21% | 39.16% | -1,128 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |