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Cleaver-Brooks

Milwaukee, WI · Charter 67136

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cleaver-Brooks

Milwaukee, WI · Charter 67136

Q1 2012

$1.4MAssets
$565KLoans
$1.1MShares
$368KNet Worth

Executive Summary

  • Earnings: ROA of -1.14%, down 13 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (-39 bps YoY).
  • Capital: net worth / assets of 25.63%, down 181 bps from a year ago.
  • Funding: loans stand at 53.01% of shares as of Q1 2012.

Return on Assets (YTD, annualized)

-1.14%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-4 bps YoY

Efficiency Ratio (YTD, annualized)

133.92%+440 bps YoY

Net Worth / Assets

25.63%-181 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.92%-0.99%-1.13%-1.01%-0.91%-1.10%-1.17%-1.14%-13 bps
Return on Equity-2.97%-3.55%-4.03%-3.67%-3.35%-4.25%-4.43%-4.45%-78 bps
Net Interest Margin3.95%3.34%3.29%3.38%3.43%3.37%3.46%3.34%-4 bps
Efficiency Ratio120.59%129.60%130.19%129.52%126.15%132.33%133.24%133.92%+440 bps
Growth
Asset Growth (YoY)4.26%11.70%3.76%4.84%6.96%0.68%0.14%2.32%-252 bps
Loan Growth (YoY)-12.72%-11.31%-5.27%6.28%8.89%7.71%6.82%-9.30%-1,558 bps
Share Growth (YoY)7.76%18.97%7.78%10.36%13.04%3.79%2.56%4.98%-538 bps
Asset Quality
Delinquent Loans / Loans1.96%1.88%2.08%0.39%0.00%0.00%0.00%0.00%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.79%2.83%2.90%2.18%2.07%2.12%2.19%2.41%+22 bps
Capital
Risk-Based Capital30.96%28.04%28.10%27.44%27.03%25.86%26.29%25.63%-181 bps
Net Worth / Assets30.96%28.04%28.10%27.44%27.03%25.86%26.29%25.63%-181 bps
Liquidity & Funding
Loans / Shares66.30%57.32%57.17%61.35%63.87%59.49%59.54%53.01%-834 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps