Whitewater, WI · Cert 12518
FDIC · 3 branches
Q2 2017
Market Position · Janesville-Beloit, WI · 2017 SOD (annual) · 0.6% share · #17 of 18 inst. · $0.0B of $2.7B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.02% | 0.05% | 0.08% | 0.08% | 0.07% | 0.11% | 0.11% | +3 bps | |
| Return on Equity | 0.39% | 0.21% | 0.52% | 0.75% | 0.77% | 0.66% | 1.07% | 1.07% | +32 bps | |
| Net Interest Margin | 2.10% | 2.14% | 2.11% | 2.13% | 2.05% | 2.03% | 1.98% | 2.03% | -9 bps | |
| Efficiency Ratio | 98.09% | 99.31% | 97.09% | 95.16% | 94.96% | 95.82% | 92.70% | 92.75% | -241 bps | |
| Non-Interest Burden | 2.05% | 2.12% | 2.05% | 2.01% | 1.94% | 1.94% | 1.82% | 1.87% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | -0.13% | -2.45% | -2.48% | -4.12% | 4.99% | 1.36% | 2.65% | +512 bps | |
| Loan Growth (YoY) | -1.17% | 0.60% | -1.25% | -1.10% | 3.27% | -1.69% | -0.11% | -5.47% | -437 bps | |
| Deposit Growth (YoY) | 1.97% | -0.39% | -2.77% | -3.06% | -4.53% | 5.36% | 1.48% | 0.67% | +372 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.26% | 1.33% | 1.30% | 1.32% | 1.28% | 1.33% | 1.37% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 9.2x | 9.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.40% | 10.53% | 10.79% | 10.53% | 10.59% | 10.14% | 10.58% | -21 bps | |
| Total Risk-Based Capital | 27.74% | 33.42% | 35.53% | 32.80% | 33.07% | 31.17% | 29.12% | 30.81% | -199 bps | |
| Equity / Assets | 10.18% | 10.50% | 10.60% | 10.98% | 10.77% | 10.04% | 10.42% | 10.63% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.43% | 41.92% | 39.82% | 41.95% | 40.49% | 39.12% | 39.20% | 39.40% | -256 bps | |
| Liquid Assets / Assets | 22.69% | 23.46% | 34.75% | 32.27% | 33.96% | 30.65% | 32.04% | 34.82% | +255 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |