Footville, WI · Cert 15183
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Footville, WI · Cert 15183
FDIC · 2 branches
Q2 2016
Market Position · Janesville-Beloit, WI · 2016 SOD (annual) · 1.2% share · #14 of 19 inst. · $0.0B of $2.3B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06%1 | -0.09% | -0.05% | -0.31% | -0.21% | -0.04% | -0.18% | -0.35% | -4 bps | |
| Return on Equity | 0.54% | -0.87% | -0.50% | -2.87% | -1.95% | -0.36% | -1.56% | -3.04% | -17 bps | |
| Net Interest Margin | 3.60% | 3.69% | 3.39% | 3.32% | 3.19% | 3.20% | 3.18% | 3.36% | +4 bps | |
| Efficiency Ratio | 105.04% | 108.06% | 99.57% | 110.00% | 114.42% | 112.21% | 102.51% | 106.84% | -316 bps | |
| Non-Interest Burden | 3.86% | 4.09% | 3.44% | 3.77% | 3.80% | 3.73% | 3.35% | 3.71% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.70% | -2.28% | -7.42% | -9.67% | -5.79% | -9.27% | -5.44% | -5.53% | +414 bps | |
| Loan Growth (YoY) | 7.85% | 6.58% | 7.54% | -6.72% | -7.19% | -3.02% | -4.19% | 0.53% | +725 bps | |
| Deposit Growth (YoY) | -7.13% | -2.06% | -8.07% | -10.20% | -6.02% | -12.06% | -5.48% | -5.96% | +424 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 | -0.16% | -0.14% | -0.43% | -0.24% | 0.99% | 0.72% | 0.06% | 0.03% | +27 bps | |
| Allowance / Loans | 3.39% | 3.48% | 3.68% | 3.87% | 2.60% | 2.54% | 2.62% | 2.62% | -125 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 | 10.27% | 10.39% | 10.42% | 10.60% | 10.71% | 11.16% | +77 bps | |
| Total Risk-Based Capital | 16.76% | 17.03% | 17.49% | 17.62% | 17.71% | 16.53% | 16.75% | 16.78% | -84 bps | |
| Equity / Assets | 10.47% | 10.49% | 11.13% | 10.98% | 10.78% | 11.33% | 11.49% | 11.63% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.50% | 75.41% | 77.77% | 75.25% | 74.56% | 83.16% | 78.83% | 80.44% | +519 bps | |
| Liquid Assets / Assets | 0.03% | 0.61% | 0.64% | 0.65% | 1.47% | 3.94% | 3.99% | 4.11% | +346 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |