Brillion, WI · Cert 11607
FDIC · 2 branches
Q1 2016
Market Position · Appleton, WI · 2015 SOD (annual) · 2.2% share · #12 of 31 inst. · $0.1B of $3.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.94% | 0.36% | 0.23% | 0.52% | 0.13% | +107 bps | |
| Return on Equity | -9.56% | 3.63% | 2.34% | 5.41% | 1.29% | +1,085 bps | |
| Net Interest Margin | 3.39% | 3.34% | 3.17% | 3.19% | 2.87% | -52 bps | |
| Efficiency Ratio | 87.13% | 87.53% | 94.81% | 83.12% | 97.01% | +988 bps | |
| Non-Interest Burden | 2.92% | 2.89% | 2.99% | 2.60% | 2.77% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.76% | 3.96% | 0.54% | 3.61% | 0.54% | +330 bps | |
| Loan Growth (YoY) | -1.23% | -8.41% | -7.75% | -18.30% | -20.77% | -1,954 bps | |
| Deposit Growth (YoY) | -1.95% | 5.38% | 1.48% | 4.01% | 0.34% | +229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | -0.11% | 0.39% | 1.76% | 0.60% | +48 bps | |
| Allowance / Loans | 3.40% | 3.58% | 3.56% | 3.66% | 3.61% | +21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.76% | 9.81% | 9.76% | 9.80% | 9.85% | +9 bps | |
| Total Risk-Based Capital | 13.49% | 17.03% | 16.03% | 17.34% | 17.82% | +433 bps | |
| Equity / Assets | 9.96% | 9.67% | 9.83% | 9.43% | 10.18% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.60% | 69.99% | 69.04% | 56.75% | 59.69% | -1,591 bps | |
| Liquid Assets / Assets | 4.58% | 4.65% | 7.85% | 6.76% | 9.39% | +482 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |