Baraboo, WI · Charter 67209
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Baraboo, WI · Charter 67209
Q1 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.13% | -2.06% | -0.11% | -0.46% | 0.46% | +159 bps | |
| Return on Equity | -9.41% | -18.65% | -0.96% | -4.76% | 6.43% | +1,584 bps | |
| Net Interest Margin | 3.93% | 4.09% | 3.70% | 3.79% | 3.90% | -3 bps | |
| Efficiency Ratio | 82.35% | 84.78% | 96.47% | 93.72% | 100.91% | +1,856 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.51% | 11.27% | 11.80% | 12.04% | -10.74% | -1,525 bps | |
| Loan Growth (YoY) | -4.64% | -8.80% | 6.90% | 27.74% | -7.18% | -255 bps | |
| Share Growth (YoY) | 6.44% | 15.92% | 14.92% | 15.13% | -5.71% | -1,216 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.67% | 1.71% | 0.96% | 4.15% | 0.38% | -328 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.11% | 1.15% | 1.59% | 2.35% | +126 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.04% | 11.06% | 11.02% | 9.67% | 7.10% | -494 bps | |
| Net Worth / Assets | 12.04% | 11.06% | 11.02% | 9.67% | 7.10% | -494 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.30% | 65.56% | 69.25% | 70.16% | 70.19% | -111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |