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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.29% | -0.53% | -0.94% | -0.29% | -0.12% | 0.04% | 0.13% | +107 bps | |
| Return on Equity | 1.78% | 2.66% | -4.97% | -9.56% | -2.99% | -1.21% | 0.45% | 1.29% | +1,085 bps | |
| Net Interest Margin | 3.48% | 3.44% | 3.55% | 3.39% | 3.36% | 3.28% | 3.22% | 2.87% | -52 bps | |
| Efficiency Ratio | 82.59% | 82.24% | 80.04% | 87.13% | 87.33% | 89.76% | 88.10% | 97.01% | +988 bps | |
| Non-Interest Burden | 2.83% | 2.78% | 2.79% | 2.92% | 2.91% | 2.91% | 2.81% | 2.77% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | 2.01% | 2.89% | -2.76% | 3.96% | 0.54% | 3.61% | 0.54% | +330 bps | |
| Loan Growth (YoY) | 7.48% | 4.47% | -0.56% | -1.23% | -8.41% | -7.75% | -18.30% | -20.77% | -1,954 bps | |
| Deposit Growth (YoY) | -1.02% | 2.23% | 4.11% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.45% | 1.60% | 0.11% | 0.00% | 0.13% | 0.55% | 0.60% | +48 bps | |
| Allowance / Loans | 1.69% | 1.44% | 2.59% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 9.76% | 9.81% | 9.76% | 9.80% | 9.85% | +9 bps | |
| Total Risk-Based Capital | 16.62% | 16.79% | 15.93% | 13.49% | 17.03% | 16.03% | 17.34% | 17.82% | +433 bps | |
| Equity / Assets | 10.94% | 10.76% | 9.79% | 9.96% | 9.67% | 9.83% | 9.43% | 10.18% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.53% | 75.94% | 72.25% | 75.60% | 69.99% | 69.04% | 56.75% | 59.69% | -1,591 bps | |
| Liquid Assets / Assets | 1.42% | 2.14% | 1.65% | 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 | n/a | n/a | n/a |