Sheboygan, WI · Charter 67170
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.
Sheboygan, WI · Charter 67170
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 | -0.02% | -0.29% | -0.47% | -0.58% | -0.84% | -2.10% | -1.60% | -2.79% | -222 bps | |
| Return on Equity | -0.19% | -2.34% | -3.36% | -4.07% | -6.02% | -14.22% | -11.12% | -14.91% | -1,084 bps | |
| Net Interest Margin | 2.31% | 2.22% | 2.54% | 2.30% | 2.52% | 2.17% | 2.32% | 3.22% | +92 bps | |
| Efficiency Ratio | 60.87% | 104.08% | 103.60% | 109.52% | 109.46% | 131.91% | 120.62% | 144.38% | +3,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | -7.02% | -11.83% | -15.30% | -15.44% | -27.47% | -17.28% | -38.30% | -2,300 bps | |
| Loan Growth (YoY) | -24.32% | -17.44% | -18.24% | -18.63% | -27.45% | -31.79% | -12.33% | -18.93% | -29 bps | |
| Share Growth (YoY) | 0.15% | -7.61% | -12.77% | -17.39% | -16.56% | -29.13% | -17.74% | -41.58% | -2,419 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.68% | 6.95% | 5.95% | 6.78% | 5.20% | 11.32% | 2.35% | 0.00% | -678 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 | 2.30% | 2.43% | 3.34% | 3.72% | 1.75% | 4.64% | 1.84% | 0.41% | -332 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.71% | 12.53% | 14.00% | 14.16% | 13.93% | 14.75% | 14.41% | 18.73% | +457 bps | |
| Net Worth / Assets | 12.71% | 12.53% | 14.00% | 14.16% | 13.93% | 14.75% | 14.41% | 18.73% | +457 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.06% | 41.23% | 42.77% | 42.03% | 34.84% | 39.68% | 45.58% | 58.32% | +1,629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |