Rudolph, WI · Cert 2485
FDIC · 1 branch
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.24% | 1.00% | 0.71% | 0.78% | 0.76% | 0.05% | 0.59% | -13 bps | |
| Return on Equity | 11.86% | 2.01% | 8.42% | 5.99% | 6.48% | 6.28% | 0.45% | 5.24% | -76 bps | |
| Net Interest Margin | 3.34% | 3.65% | 3.59% | 3.55% | 3.32% | 3.39% | 3.44% | 3.46% | -9 bps | |
| Efficiency Ratio | 78.54% | 78.72% | 69.53% | 73.29% | 74.23% | 72.86% | 92.03% | 116.61% | +4,332 bps | |
| Non-Interest Burden | 2.58% | 2.83% | 2.42% | 2.53% | 2.41% | 2.41% | 3.15% | 3.96% | +143 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% | 0.26% | -0.16% | 0.19% | 0.00% | 0.10% | 0.00% | 2.15% | +196 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 |