Crivitz, WI · Cert 15093
FDIC · 5 branches
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.61% | 0.62% | 0.64% | 0.72% | 0.76% | -0.30% | 0.03%1 | -62 bps | |
| Return on Equity | 6.10% | 5.38% | 5.54% | 5.81% | 6.53% | 6.88% | -2.78% | 0.24% | -557 bps | |
| Net Interest Margin | 3.92% | 3.62% | 3.68% | 3.71% | 3.70% | 3.50% | 0.40% | 1.58% | -213 bps | |
| Efficiency Ratio | 72.15% | 74.96% | 75.72% | 75.35% | 72.55% | 73.56% | 150.54% | 92.13% | +1,678 bps | |
| Non-Interest Burden | 2.73% | 2.64% | 2.69% | 2.70% | 2.58% | 2.47% | 0.65% | 1.51% | -119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.42% | 4.85% | 2.11% | 3.59% | 2.34% | -0.33% | -0.46% | -4.44% | -803 bps | |
| Loan Growth (YoY) | 4.40% | 1.34% | -1.18% | 1.37% | 0.46% | -0.06% | -2.00% | -3.66% | -504 bps | |
| Deposit Growth (YoY) | 9.24% | 6.29% | 0.17% | 0.66% | -0.08% | -0.15% | 3.89% | -0.94% | -160 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 | 0.23% | 0.00% | 0.00% | 0.04% | 0.19% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.72% | 1.84% | 1.88% | 1.86% | 1.74% | 1.80% | 0.04% | 0.18% | -169 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.43% | 19.80% | 19.53% | 19.65% | 19.45% | 20.09% | 13.53% | 14.33% | -532 bps | |
| Equity / Assets | 11.37% | 11.25% | 10.96% | 10.82% | 10.81% | 11.15% | 10.52% | 11.02% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.14% | 77.30% | 81.60% | 82.04% | 81.58% | 77.37% | 76.97% | 79.78% | -226 bps | |
| Liquid Assets / Assets | 0.84% | 1.63% | 1.62% | 1.86% | 1.44% | 1.45% | 1.44% | 4.01% | +216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |