Eagle River, WI · Charter 66870
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Eagle River, WI · Charter 66870
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.39% | 0.18% | 0.45% | 0.15% | 0.23% | -1.18% | -5.43% | -587 bps | |
| Return on Equity | 0.30% | 4.28% | 2.33% | 5.93% | 2.01% | 2.90% | -14.86% | -113.79% | -11,972 bps | |
| Net Interest Margin | 4.70% | 4.79% | 4.11% | 4.28% | 4.24% | 4.33% | 4.52% | 4.62% | +35 bps | |
| Efficiency Ratio | 66.69% | 68.54% | 71.65% | 79.89% | 77.71% | 88.10% | 82.10% | 88.70% | +881 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.37% | 5.87% | 19.88% | 26.14% | 26.20% | 13.72% | -9.69% | -16.12% | -4,227 bps | |
| Loan Growth (YoY) | 17.00% | 16.69% | 15.62% | 15.87% | 5.86% | -7.99% | -17.52% | -21.21% | -3,708 bps | |
| Share Growth (YoY) | 6.24% | 6.36% | 22.00% | 28.04% | 32.15% | 15.17% | -10.10% | -13.43% | -4,147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.07% | 2.87% | 5.04% | 3.11% | 4.20% | 7.67% | 8.72% | 6.86% | +375 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 | 0.97% | 1.07% | 1.11% | 1.16% | 1.41% | 2.12% | 2.84% | 7.60% | +644 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 9.18% | 7.71% | 7.52% | 7.49% | 8.07% | 7.96% | 4.77% | -275 bps | |
| Net Worth / Assets | 9.10% | 9.18% | 7.71% | 7.52% | 7.49% | 8.07% | 7.96% | 4.77% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.85% | 98.80% | 85.56% | 83.23% | 79.98% | 78.93% | 78.50% | 75.76% | -748 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |