Walworth, WI · Cert 15231
FDIC · 4 branches
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.67% | 1.66% | 1.75% | 1.86% | 1.96% | 1.91% | 1.93% | +17 bps | |
| Return on Equity | 16.50% | 15.32% | 15.03% | 15.75% | 16.01% | 17.05% | 16.95% | 17.33% | +159 bps | |
| Net Interest Margin | 3.57% | 3.57% | 3.51% | 3.57% | 3.63% | 3.75% | 3.58% | 3.51% | -6 bps | |
| Efficiency Ratio | 58.30% | 59.98% | 59.66% | 57.58% | 56.08% | 54.66% | 54.89% | 53.80% | -377 bps | |
| Non-Interest Burden | 1.78% | 1.86% | 1.86% | 1.80% | 1.76% | 1.77% | 1.72% | 1.64% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | 0.05% | -0.61% | -1.32% | 2.13% | 3.23% | 10.95% | 12.00% | +1,332 bps | |
| Loan Growth (YoY) | -10.22% | -6.03% | -4.89% | -0.69% | 4.68% | 8.99% | 5.32% | 5.39% | +607 bps | |
| Deposit Growth (YoY) | 1.29% | 1.45% | 0.78% | 0.39% | 1.44% | 3.40% | 9.87% | 11.26% | +1,087 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 | 0.20% | 0.47% | 0.41% | 0.40% | 0.08% | 0.16% | 0.19% | 0.15% | -25 bps | |
| Allowance / Loans | 2.01% | 1.82% | 1.71% | 1.61% | 1.56% | 1.43% | 1.39% | 1.37% | -23 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 | 11.27% | 11.27% | 10.71% | 10.34% | n/a | |
| Total Risk-Based Capital | 18.27% | 18.35% | 17.90% | 18.11% | 18.92% | 18.33% | 18.77% | 18.53% | +43 bps | |
| Equity / Assets | 11.08% | 11.43% | 11.42% | 11.49% | 11.72% | 11.33% | 10.69% | 10.44% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.48% | 77.39% | 77.92% | 77.07% | 78.92% | 81.57% | 74.69% | 73.00% | -407 bps | |
| Liquid Assets / Assets | 14.36% | 12.80% | 11.53% | 8.98% | 6.18% | 5.34% | 12.92% | 15.39% | +642 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |