Medford, WI · Cert 22153
FDIC · 2 branches
Q2 2016
Market Position · Appleton, WI · 2016 SOD (annual) · 0.4% share · #25 of 30 inst. · $0.0B of $3.8B
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 | -1.20% | -1.55% | -0.76% | -0.29% | -0.30% | -1.34% | -1.41% | -0.23% | +5 bps | |
| Return on Equity | -10.55% | -13.87% | -7.46% | -2.89% | -2.99% | -13.96% | -16.42% | -2.72% | +18 bps | |
| Net Interest Margin | 3.70% | 3.63% | 3.19% | 3.37% | 3.47% | 3.38% | 3.48% | 3.86% | +49 bps | |
| Efficiency Ratio | 139.57% | 153.25% | 132.10% | 116.23% | 118.79% | 119.67% | 147.15% | 118.93% | +271 bps | |
| Non-Interest Burden | 5.50% | 5.94% | 4.35% | 3.97% | 4.17% | 4.13% | 5.05% | 4.58% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.29% | -2.80% | 1.40% | 7.72% | 5.71% | 5.29% | -2.07% | -2.65% | -1,037 bps | |
| Loan Growth (YoY) | -3.98% | -4.56% | -7.56% | -6.30% | -5.40% | 1.70% | 2.47% | -0.20% | +610 bps | |
| Deposit Growth (YoY) | 0.61% | 2.37% | 5.33% | 9.27% | 7.78% | 6.27% | -0.60% | 1.34% | -793 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 | 0.52% | 0.61% | 0.09% | 0.14% | 0.47% | 0.33% | 0.04% | -0.07% | -22 bps | |
| Allowance / Loans | 2.91% | 2.84% | 2.98% | 2.90% | 2.53% | 2.03% | 2.12% | 1.87% | -103 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 | 9.65% | 9.21% | 9.28% | 8.52% | 8.43% | 8.73% | -48 bps | |
| Total Risk-Based Capital | 17.53% | 16.13% | 16.30% | 16.09% | 15.84% | 14.39% | 14.12% | 14.56% | -153 bps | |
| Equity / Assets | 11.12% | 10.39% | 9.98% | 9.43% | 9.65% | 8.50% | 8.67% | 8.74% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.85% | 76.61% | 70.25% | 70.12% | 72.72% | 73.31% | 72.42% | 69.06% | -106 bps | |
| Liquid Assets / Assets | 3.53% | 9.12% | 9.99% | 7.11% | 3.24% | 5.74% | 7.46% | 8.60% | +149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |