Lake Tomahawk, WI · Charter 66782
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Lake Tomahawk, WI · Charter 66782
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 0.69% | 1.58% | 0.66% | 0.76% | 0.00% | 2.25% | -1.84% | -250 bps | |
| Return on Equity | 16.09% | 4.35% | 10.11% | 3.86% | 4.50% | 0.00% | 12.76% | -11.27% | -1,513 bps | |
| Net Interest Margin | 4.57% | 3.74% | 3.94% | 3.17% | 3.46% | 3.32% | 5.09% | 5.10% | +194 bps | |
| Efficiency Ratio | 49.87% | 68.25% | 60.10% | 79.15% | 78.09% | 82.38% | 55.80% | 61.48% | -1,768 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | -13.94% | -15.01% | -22.83% | -17.54% | -13.73% | -10.63% | -1.99% | +2,084 bps | |
| Loan Growth (YoY) | -4.34% | -6.31% | -0.65% | -8.25% | -8.82% | -1.26% | -1.52% | -4.11% | +415 bps | |
| Share Growth (YoY) | -4.15% | -16.57% | -17.17% | -26.56% | -20.04% | -15.70% | -12.74% | -0.92% | +2,563 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.78% | 16.32% | 15.47% | 17.39% | 19.75% | 20.83% | 24.25% | 17.77% | +38 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 | 4.61% | 5.33% | 5.27% | 5.57% | 4.87% | 5.14% | 4.78% | 6.06% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.32% | 15.76% | 15.64% | 17.19% | 16.90% | 17.67% | 17.62% | 16.28% | -91 bps | |
| Net Worth / Assets | 14.32% | 15.76% | 15.64% | 17.19% | 16.90% | 17.67% | 17.62% | 16.28% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.80% | 71.25% | 76.83% | 82.02% | 76.18% | 83.45% | 86.70% | 79.38% | -264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |