La Farge, WI · Cert 15127
FDIC · 2 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
La Farge, WI · Cert 15127
FDIC · 2 branches
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.92% | 2.08% | 2.05% | 1.99% | 1.78% | 1.82% | 1.38% | 1.57% | -42 bps | |
| Return on Equity | 5.96% | 6.73% | 8.08% | 7.71% | 6.84% | 6.92% | 5.03% | 5.67% | -204 bps | |
| Net Interest Margin | 3.82% | 3.81% | 4.07% | 3.78% | 3.83% | 3.72% | 3.33% | 3.34% | -44 bps | |
| Efficiency Ratio | 32.09% | 31.08% | 36.24% | 35.96% | 35.40% | 36.33% | 44.03% | 38.43% | +247 bps | |
| Non-Interest Burden | 1.07% | 1.03% | 1.30% | 1.09% | 1.13% | 1.15% | 1.33% | 1.13% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.01% | -3.51% | -6.37% | -8.70% | -8.41% | -0.74% | -1.82% | 0.02% | +872 bps | |
| Loan Growth (YoY) | -0.33% | -1.64% | -4.73% | -0.04% | -8.53% | -14.05% | -10.51% | -22.04% | -2,199 bps | |
| Deposit Growth (YoY) | 4.45% | 4.66% | 4.31% | -1.01% | 2.92% | -1.27% | -4.76% | -0.91% | +9 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 | 0.65% | 0.47% | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 3.36% | +336 bps | |
| Allowance / Loans | 1.35% | 1.43% | 1.50% | 1.43% | 1.93% | 1.90% | 1.93% | 0.42% | -100 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 | 51.91% | 39.66% | 41.43% | 41.17% | 43.62% | 45.52% | 46.56% | 49.56% | +839 bps | |
| Equity / Assets | 32.30% | 25.27% | 25.53% | 26.65% | 26.57% | 27.29% | 27.65% | 28.27% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.19% | 72.24% | 66.12% | 73.44% | 65.94% | 62.88% | 62.13% | 57.78% | -1,566 bps | |
| Liquid Assets / Assets | 49.12% | 45.90% | 44.31% | 43.61% | 45.54% | 50.71% | 49.96% | 54.69% | +1,108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |