Milwaukee, WI · Charter 67220
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 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.
Milwaukee, WI · Charter 67220
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 3.67% | 0.88% | 0.00% | 1.46% | 1.76% | -11.54% | -3.07% | -307 bps | |
| Return on Equity | 21.42% | 31.12% | 9.09% | -0.02% | 17.44% | 20.78% | n/a | -60.16% | -6,014 bps | |
| Net Interest Margin | 4.51% | 4.75% | 4.44% | 2.75% | 4.53% | 3.84% | 4.78% | 4.69% | +194 bps | |
| Efficiency Ratio | 47.01% | 23.45% | 37.63% | 52.12% | 68.05% | 55.05% | 37.27% | 41.16% | -1,096 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 6.15% | 15.56% | 46.33% | 33.36% | 31.29% | 10.21% | 2.66% | -4,367 bps | |
| Loan Growth (YoY) | 10.21% | 5.26% | 10.12% | 16.38% | 11.64% | 28.76% | 15.33% | -6.30% | -2,267 bps | |
| Share Growth (YoY) | 4.78% | 3.00% | 15.61% | 55.66% | 37.74% | 36.24% | 22.47% | 6.56% | -4,910 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.64% | 17.24% | 4.23% | 3.71% | 5.57% | 7.44% | 19.63% | 23.03% | +1,932 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 | 4.19% | 4.19% | 1.86% | 1.80% | 1.88% | 1.63% | 12.00% | 5.58% | +379 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.30% | 11.78% | 9.65% | 8.58% | 8.38% | 8.45% | -0.50% | 5.10% | -347 bps | |
| Net Worth / Assets | 11.30% | 11.78% | 9.65% | 8.58% | 8.38% | 8.45% | -0.50% | 5.10% | -347 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.43% | 79.98% | 73.09% | 74.55% | 69.24% | 75.59% | 68.82% | 65.56% | -899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |