Cazenovia, WI · Cert 15123
FDIC · 2 branches
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.31% | 0.36% | 0.42% | 0.49% | +18 bps | |
| Return on Equity | 1.85% | 1.87% | 2.11% | 2.39% | 2.72% | +87 bps | |
| Net Interest Margin | 3.02% | 3.04% | 3.01% | 2.96% | 3.05% | +3 bps | |
| Efficiency Ratio | 89.86% | 89.31% | 89.88% | 85.47% | 83.78% | -609 bps | |
| Non-Interest Burden | 2.68% | 2.69% | 2.68% | 2.49% | 2.52% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.25% | 0.88% | -6.17% | -5.10% | -4.43% | -1,068 bps | |
| Loan Growth (YoY) | -2.45% | -2.83% | -5.14% | -5.10% | -5.11% | -267 bps | |
| Deposit Growth (YoY) | 7.66% | 1.09% | -7.65% | -6.53% | -5.61% | -1,327 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 1.41% | +141 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.01% | 0.02% | 0.02% | -2 bps | |
| Allowance / Loans | 2.23% | 2.23% | 2.31% | 2.35% | 2.35% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 135.7x | 1.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.93% | 17.29% | 17.25% | 17.50% | 18.48% | +155 bps | |
| Total Risk-Based Capital | 37.15% | 37.74% | 38.59% | 40.25% | 40.95% | +380 bps | |
| Equity / Assets | 17.40% | 17.53% | 16.96% | 18.11% | 18.63% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.16% | 61.71% | 56.91% | 60.04% | 61.48% | +32 bps | |
| Liquid Assets / Assets | 44.42% | 45.38% | 47.02% | 47.27% | 44.11% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |