Cazenovia, WI · Cert 15123
FDIC · 2 branches
Q2 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | -0.32% | 0.10% | 0.52% | 0.33% | 0.49% | 0.42% | 0.56% | +4 bps | |
| Return on Equity | 2.62% | -1.92% | 0.64% | 3.06% | 1.90% | 2.84% | 2.39% | 3.05% | -1 bps | |
| Net Interest Margin | 3.23% | 3.04% | 2.88% | 3.00% | 3.00% | 2.99% | 2.96% | 2.99% | -1 bps | |
| Efficiency Ratio | 85.28% | 107.69% | 95.99% | 83.62% | 88.15% | 91.64% | 85.47% | 81.99% | -163 bps | |
| Non-Interest Burden | 2.72% | 3.28% | 2.75% | 2.47% | 2.61% | 2.72% | 2.49% | 2.42% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.36% | 6.31% | 7.16% | 6.25% | 0.88% | -6.17% | -5.10% | -4.43% | -1,068 bps | |
| Loan Growth (YoY) | -3.21% | -2.15% | -1.85% | -2.45% | -2.83% | -5.14% | -5.10% | -5.11% | -267 bps | |
| Deposit Growth (YoY) | 1.13% | 7.47% | 8.74% | 7.66% | 1.09% | -7.65% | -6.53% | -5.61% | -1,327 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 1.41% | +141 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.09% | 0.00% | -0.04% | 0.00% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 2.17% | 2.20% | 2.23% | 2.23% | 2.23% | 2.31% | 2.35% | 2.35% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 135.7x | 1.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.98% | 16.59% | 15.95% | 16.93% | 17.29% | 17.25% | 17.50% | 18.48% | +155 bps | |
| Total Risk-Based Capital | 36.08% | 35.95% | 37.28% | 37.15% | 37.74% | 38.59% | 40.25% | 40.95% | +380 bps | |
| Equity / Assets | 17.56% | 15.62% | 16.79% | 17.40% | 17.53% | 16.96% | 18.11% | 18.63% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.20% | 55.40% | 59.13% | 61.16% | 61.71% | 56.91% | 60.04% | 61.48% | +32 bps | |
| Liquid Assets / Assets | 42.60% | 46.93% | 46.02% | 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 | n/a | n/a | n/a |