Oshkosh, WI · Charter 66803
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.
Oshkosh, WI · Charter 66803
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 | -0.60% | -1.14% | 0.07% | -0.41% | -0.17% | 0.03% | 0.47% | -0.65% | -24 bps | |
| Return on Equity | -5.20% | -11.01% | 0.65% | -4.06% | -1.69% | 0.28% | 4.45% | -6.39% | -233 bps | |
| Net Interest Margin | 3.29% | 3.18% | 2.84% | 2.80% | 2.84% | 2.83% | 2.86% | 2.84% | +4 bps | |
| Efficiency Ratio | 97.03% | 102.90% | 92.89% | 97.39% | 96.39% | 93.37% | 95.00% | 103.15% | +575 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | 4.85% | 2.42% | 3.91% | 2.94% | -1.00% | -0.65% | -1.45% | -536 bps | |
| Loan Growth (YoY) | 2.91% | 0.27% | 0.60% | -0.19% | 0.17% | 0.15% | -1.56% | -1.27% | -107 bps | |
| Share Growth (YoY) | 0.18% | 5.67% | 2.69% | 5.89% | 4.52% | -1.00% | -0.97% | -1.60% | -749 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.12% | 4.89% | 5.92% | 5.12% | 4.13% | 4.55% | 4.00% | 3.98% | -115 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 | 1.05% | 1.66% | 1.61% | 1.76% | 1.64% | 1.62% | 1.58% | 2.04% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 10.38% | 10.34% | 10.15% | 10.30% | 10.51% | 10.54% | 10.22% | +6 bps | |
| Net Worth / Assets | 11.47% | 10.38% | 10.34% | 10.15% | 10.30% | 10.51% | 10.54% | 10.22% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.02% | 79.72% | 78.26% | 79.85% | 80.53% | 80.65% | 77.80% | 80.12% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |