Bancroft, WI · Cert 12342
FDIC · 5 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 1.34% | 1.21% | 1.10% | 1.12% | +27 bps | |
| Return on Equity | 9.89% | 13.90% | 10.86% | 9.29% | 9.42% | -47 bps | |
| Net Interest Margin | 3.53% | -8.01% | 3.45% | 3.39% | 3.52% | -1 bps | |
| Efficiency Ratio | 74.75% | 63.52% | 66.71% | 68.27% | 68.47% | -628 bps | |
| Non-Interest Burden | 2.68% | -9.29% | 2.11% | 2.13% | 2.21% | -47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.87% | 4.37% | 0.70% | -0.05% | -0.08% | -395 bps | |
| Loan Growth (YoY) | 2.50% | -1.02% | -0.35% | -5.23% | -5.61% | -810 bps | |
| Deposit Growth (YoY) | 4.30% | 2.18% | -2.09% | -3.91% | -3.49% | -780 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.01% | -0.02% | 0.15% | 0.01% | -9 bps | |
| Allowance / Loans | 1.61% | 0.00% | 0.04% | 0.06% | 0.11% | -150 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.77% | 10.28% | 10.52% | 11.01% | 11.32% | +255 bps | |
| Total Risk-Based Capital | 15.40% | 16.79% | 17.26% | 18.00% | 17.96% | +256 bps | |
| Equity / Assets | 8.59% | 10.62% | 11.65% | 12.14% | 11.72% | +314 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.42% | 67.30% | 72.21% | 72.74% | 69.86% | -156 bps | |
| Liquid Assets / Assets | 14.88% | 34.33% | 30.39% | 30.47% | 31.70% | +1,682 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |