Cudahy, WI · Charter 67224
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Cudahy, WI · Charter 67224
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.43% | -2.01% | -2.24% | -2.35% | -2.40% | -2.28% | -2.51% | -0.71% | +163 bps | |
| Return on Equity | -14.55% | -21.50% | -25.62% | -30.26% | -34.12% | -34.15% | -40.95% | -12.70% | +1,756 bps | |
| Net Interest Margin | 2.75% | 2.81% | 2.80% | 2.47% | 2.44% | 2.45% | 2.53% | 2.17% | -30 bps | |
| Efficiency Ratio | 131.68% | 137.42% | 150.56% | 173.96% | 179.50% | 170.71% | 169.66% | 116.87% | -5,709 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | -2.45% | -2.25% | -0.31% | 1.85% | 2.80% | 0.89% | 2.05% | +236 bps | |
| Loan Growth (YoY) | -11.85% | -12.93% | -8.76% | -5.82% | -6.15% | -6.46% | -9.87% | -10.25% | -443 bps | |
| Share Growth (YoY) | 13.07% | 3.20% | -0.38% | 2.37% | 5.25% | 5.95% | 3.84% | 4.38% | +201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 2.94% | 1.88% | 1.50% | 1.85% | 2.78% | 1.42% | 0.94% | -56 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 | 0.98% | 1.69% | 1.86% | 1.99% | 1.73% | 1.91% | 1.95% | 2.16% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.84% | 9.33% | 8.73% | 7.76% | 7.05% | 6.68% | 6.14% | 5.62% | -214 bps | |
| Net Worth / Assets | 9.84% | 9.33% | 8.73% | 7.76% | 7.05% | 6.68% | 6.14% | 5.62% | -214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.45% | 45.19% | 45.08% | 41.30% | 39.63% | 39.90% | 39.13% | 35.51% | -579 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |