Superior, WI · Charter 67193
Q1 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Superior, WI · Charter 67193
Q1 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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -0.05% | -1.56% | -0.67% | -0.21% | -0.47% | -0.31% | -1.94% | -127 bps | |
| Return on Equity | -9.58% | -0.48% | -15.27% | -6.91% | -2.10% | -4.78% | -3.10% | -22.14% | -1,523 bps | |
| Net Interest Margin | 4.02% | 4.01% | 3.90% | 3.45% | 3.52% | 3.54% | 3.50% | 1.56% | -189 bps | |
| Efficiency Ratio | 81.10% | 92.41% | 95.08% | 109.15% | 101.82% | 107.99% | 105.01% | 170.60% | +6,144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.79% | -4.61% | -7.26% | -3.35% | -5.19% | -4.72% | -2.09% | 3.09% | +644 bps | |
| Loan Growth (YoY) | -10.58% | -13.05% | -16.97% | -21.56% | -16.65% | -11.99% | -5.26% | -2.73% | +1,883 bps | |
| Share Growth (YoY) | -1.45% | -5.05% | -6.39% | -1.39% | -4.13% | -3.23% | -1.55% | 4.38% | +578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.73% | 4.44% | 5.42% | 3.96% | 3.21% | 2.70% | 4.01% | 2.96% | -100 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 | 2.17% | 2.19% | 3.52% | 3.49% | 3.19% | 3.14% | 3.01% | 2.87% | -62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.89% | 11.07% | 10.23% | 9.68% | 9.96% | 9.80% | 9.86% | 8.78% | -90 bps | |
| Net Worth / Assets | 10.89% | 11.07% | 10.23% | 9.68% | 9.96% | 9.80% | 9.86% | 8.78% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.25% | 68.58% | 65.59% | 59.15% | 61.94% | 62.38% | 63.12% | 55.12% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |