Luck, WI · Cert 9525
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Luck, WI · Cert 9525
FDIC
Q4 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.59% | 1.44% | 1.60% | 0.99% | 1.52% | 1.52% | 1.46% | -15 bps | |
| Return on Equity | 18.47% | 20.99% | 18.86% | 21.22% | 13.37% | 20.17% | 19.94% | 19.24% | -198 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.86% | 3.81% | 3.72% | 3.86% | 3.87% | 3.76% | -5 bps | |
| Efficiency Ratio | 63.59% | 62.90% | 64.01% | 62.05% | 71.19% | 65.85% | 64.52% | 64.75% | +270 bps | |
| Non-Interest Burden | 1.93% | 1.88% | 1.89% | 1.77% | 2.29% | 2.08% | 2.00% | 1.93% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.90% | -0.42% | 3.15% | 3.04% | 0.70% | 0.49% | 0.68% | -1.66% | -470 bps | |
| Loan Growth (YoY) | 5.69% | 5.61% | 2.49% | -0.06% | -4.55% | -11.34% | -9.26% | -11.94% | -1,188 bps | |
| Deposit Growth (YoY) | -27.96% | -4.11% | -0.96% | 3.74% | 0.58% | 0.61% | -1.02% | -0.55% | -429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.68% | 0.37% | 0.26% | 0.36% | 0.03% | 0.06% | 0.14% | 0.15% | -21 bps | |
| Allowance / Loans | 1.51% | 1.56% | 1.90% | 1.79% | 1.98% | 2.06% | 2.30% | 2.54% | +75 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.38% | 11.56% | 11.90% | 11.31% | 11.65% | 12.30% | 12.92% | 12.58% | +127 bps | |
| Equity / Assets | 7.47% | 7.78% | 7.85% | 7.28% | 7.48% | 7.84% | 7.81% | 7.49% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.92% | 85.85% | 81.31% | 79.71% | 79.65% | 75.66% | 74.54% | 70.58% | -913 bps | |
| Liquid Assets / Assets | 2.60% | 1.57% | 1.22% | 2.30% | 2.86% | 3.81% | 4.29% | 0.84% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |