South Milwaukee, WI · Charter 67258
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 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.
South Milwaukee, WI · Charter 67258
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.10% | -0.15% | -0.51% | -0.85% | -0.94% | -1.29% | -1.35% | -84 bps | |
| Return on Equity | -4.56% | -0.65% | -1.01% | -3.57% | -6.18% | -7.12% | -10.25% | -10.92% | -735 bps | |
| Net Interest Margin | 4.16% | 4.30% | 3.72% | 3.61% | 3.16% | 3.07% | 3.04% | 3.06% | -55 bps | |
| Efficiency Ratio | 95.06% | 94.61% | 100.26% | 103.25% | 116.17% | 114.51% | 127.23% | 131.08% | +2,782 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | 5.75% | 8.15% | 5.59% | 4.10% | 11.68% | 6.70% | 2.20% | -340 bps | |
| Loan Growth (YoY) | -9.67% | -8.79% | -8.50% | -11.06% | -21.26% | -16.64% | -13.29% | -13.95% | -289 bps | |
| Share Growth (YoY) | -0.06% | 7.06% | 9.13% | 7.13% | 5.12% | 15.11% | 9.39% | 4.17% | -296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.84% | 0.71% | 0.81% | 0.45% | 1.17% | 1.48% | 0.89% | +8 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 | 1.02% | 1.09% | 0.79% | 0.91% | 0.93% | 1.19% | 1.20% | 0.83% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.84% | 15.90% | 15.08% | 14.25% | 13.78% | 13.13% | 12.57% | 12.33% | -193 bps | |
| Net Worth / Assets | 14.84% | 15.90% | 15.08% | 14.25% | 13.78% | 13.13% | 12.57% | 12.33% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.38% | 70.17% | 62.50% | 57.64% | 51.22% | 50.82% | 49.54% | 47.61% | -1,003 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |