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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40%1 | -0.54% | -0.05% | -0.58% | -0.01% | 0.49% | -0.18% | -0.52% | +6 bps | |
| Return on Equity | 3.82% | -5.19% | -0.50% | -5.25% | -0.08% | 4.48% | -1.56% | -4.51% | +74 bps | |
| Net Interest Margin | 3.62% | 3.68% | 3.39% | 3.17% | 2.92% | 3.15% | 3.18% | 3.37% | +20 bps | |
| Efficiency Ratio | 97.73% | 117.30% | 99.57% | 123.15% | 124.18% | 105.81% | 102.51% | 111.08% | -1,207 bps | |
| Non-Interest Burden | 3.60% | 4.44% | 3.44% | 4.02% | 3.84% | 3.45% | 3.35% | 3.89% | -14 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 | 0.25% | -0.09% | -0.43% | -0.02% | 3.43% | 0.00% | 0.06% | 0.00% | +2 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 |