Palmyra, WI · Cert 15116
FDIC · 1 branch
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Palmyra, WI · Cert 15116
FDIC · 1 branch
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.31% | 0.29% | 0.12% | 0.25% | 0.26% | 0.25% | 0.38% | +26 bps | |
| Return on Equity | 1.59% | 1.78% | 1.62% | 0.71% | 1.48% | 1.48% | 1.42% | 2.16% | +145 bps | |
| Net Interest Margin | 1.82% | 1.92% | 1.99% | 1.99% | 1.77% | 1.88% | 2.00% | 2.03% | +5 bps | |
| Efficiency Ratio | 86.73% | 85.09% | 86.22% | 93.31% | 87.10% | 86.71% | 87.72% | 85.09% | -822 bps | |
| Non-Interest Burden | 1.54% | 1.59% | 1.67% | 1.83% | 1.50% | 1.59% | 1.71% | 1.68% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.11% | 0.70% | 1.45% | 0.61% | -2.85% | -1.71% | 0.82% | -2.27% | -288 bps | |
| Loan Growth (YoY) | -6.05% | -10.79% | -10.16% | -5.36% | -8.21% | 8.10% | 13.18% | 3.95% | +931 bps | |
| Deposit Growth (YoY) | 3.68% | 0.72% | 1.72% | 0.69% | -3.47% | -2.13% | 0.94% | -3.02% | -371 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 | 0.24% | 0.00% | 0.00% | 0.28% | 0.17% | 0.07% | 0.04% | 0.03% | -25 bps | |
| Allowance / Loans | 1.51% | 1.66% | 1.69% | 1.36% | 1.38% | 1.24% | 1.21% | 1.28% | -8 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 | 16.76% | 17.36% | 18.35% | 18.30% | n/a | |
| Total Risk-Based Capital | 36.61% | 39.74% | 40.08% | 37.88% | 37.50% | 37.20% | 35.26% | 36.67% | -121 bps | |
| Equity / Assets | 16.57% | 18.18% | 18.39% | 17.35% | 16.93% | 18.34% | 18.08% | 17.89% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.27% | 39.17% | 39.09% | 38.31% | 35.44% | 43.26% | 43.83% | 41.06% | +275 bps | |
| Liquid Assets / Assets | 54.00% | 56.12% | 57.41% | 53.11% | 52.65% | 58.48% | 50.45% | 51.59% | -152 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |