Bloomer, WI · Cert 1135
FDIC · 1 branch
Q2 2014
Market Position · Eau Claire, WI · 2014 SOD (annual) · 3.9% share · #9 of 23 inst. · $0.1B of $2.6B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.73% | 0.79% | 0.87% | 0.41% | -43 bps | |
| Return on Equity | 6.82% | 6.01% | 6.55% | 7.27% | 3.35% | -347 bps | |
| Net Interest Margin | 2.96% | 3.02% | 3.04% | 3.07% | 0.69% | -227 bps | |
| Efficiency Ratio | 71.50% | 74.29% | 72.37% | 80.97% | 52.46% | -1,904 bps | |
| Non-Interest Burden | 1.94% | 2.09% | 2.04% | 2.39% | 0.29% | -165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.79% | 0.72% | -0.65% | -1.73% | 1.59% | +238 bps | |
| Loan Growth (YoY) | -10.95% | -5.68% | 1.22% | 0.04% | -3.69% | +726 bps | |
| Deposit Growth (YoY) | 1.14% | 2.35% | 0.62% | -1.36% | 0.81% | -34 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.01% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.73% | 1.68% | 1.68% | 1.71% | 0.00% | -173 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 24.02% | 22.73% | 22.77% | 23.55% | 18.79% | -523 bps | |
| Equity / Assets | 12.15% | 11.67% | 11.59% | 12.24% | 13.17% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.02% | 54.05% | 53.66% | 54.15% | 50.66% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 1.27% | 1.57% | 3.36% | 3.49% | +349 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |