Rudolph, WI · Cert 2485
FDIC · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 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.
Rudolph, WI · Cert 2485
FDIC · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 0.79% | 0.86% | 0.82% | 0.78% | 0.77% | 0.53% | 0.54% | -28 bps | |
| Return on Equity | 11.86% | 6.91% | 7.42% | 7.06% | 6.48% | 6.39% | 4.40% | 4.63% | -243 bps | |
| Net Interest Margin | 3.34% | 3.50% | 3.53% | 3.53% | 3.32% | 3.34% | 3.33% | 3.47% | -6 bps | |
| Efficiency Ratio | 78.54% | 78.64% | 75.55% | 74.98% | 74.23% | 73.53% | 79.88% | 89.13% | +1,415 bps | |
| Non-Interest Burden | 2.58% | 2.71% | 2.61% | 2.59% | 2.41% | 2.40% | 2.62% | 2.98% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.68% | 2.52% | 0.97% | -1.66% | 0.61% | 5.14% | 2.25% | 8.66% | +1,032 bps | |
| Loan Growth (YoY) | -4.58% | 1.52% | 6.35% | -2.95% | -3.39% | 2.94% | 2.11% | 0.13% | +307 bps | |
| Deposit Growth (YoY) | 1.52% | 2.79% | 0.76% | -2.10% | 0.07% | 3.57% | 1.97% | 9.83% | +1,193 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 | 0.00% | 0.13% | 0.03% | 0.07% | 0.00% | 0.05% | 0.03% | 0.56% | +49 bps | |
| Allowance / Loans | 1.61% | 1.52% | 1.58% | 1.61% | 1.59% | 1.45% | 1.47% | 0.00% | -161 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 | 12.06% | 11.95% | 12.13% | 12.03% | 11.96% | 11.95% | 11.77% | 8.36% | -367 bps | |
| Total Risk-Based Capital | 21.22% | 20.58% | 20.58% | 20.27% | 20.32% | 19.20% | 19.24% | 12.15% | -812 bps | |
| Equity / Assets | 11.77% | 11.76% | 11.97% | 11.84% | 12.23% | 11.87% | 12.09% | 10.33% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.38% | 80.19% | 78.91% | 74.06% | 75.67% | 79.70% | 79.01% | 67.52% | -654 bps | |
| Liquid Assets / Assets | 8.54% | 9.48% | 9.38% | 11.72% | 15.27% | 14.77% | 13.37% | 10.78% | -94 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |