Sheboygan, WI · Cert 27507
FDIC · 10 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Sheboygan, WI · Cert 27507
FDIC · 10 branches
Q4 2014
Market Position · Sheboygan, WI · 2014 SOD (annual) · 18.3% share · #1 of 15 inst. · $0.3B of $1.9B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.25% | 0.57% | 1.51% | 1.36% | 1.21% | 1.28% | 0.94% | -57 bps | |
| Return on Equity | 4.09% | 2.50% | 5.60% | 15.03% | 13.49% | 11.77% | 12.39% | 9.40% | -563 bps | |
| Net Interest Margin | 3.13% | 3.25% | 3.29% | 3.39% | 3.57% | 3.58% | 3.64% | 3.71% | +32 bps | |
| Efficiency Ratio | 68.34% | 64.08% | 62.19% | 62.24% | 58.23% | 56.30% | 56.22% | 71.83% | +959 bps | |
| Non-Interest Burden | 1.63% | 1.38% | 1.32% | 1.43% | 1.15% | 1.06% | 1.11% | 2.05% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.05% | 2.23% | 2.12% | -2.75% | -0.09% | -5.87% | -0.80% | -3.17% | -42 bps | |
| Loan Growth (YoY) | -3.02% | -1.87% | -3.99% | -0.52% | -0.76% | 2.96% | 3.75% | 0.52% | +104 bps | |
| Deposit Growth (YoY) | -3.05% | 5.20% | 3.72% | -1.41% | -1.14% | -6.91% | -2.90% | -2.07% | -66 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 | 2.80% | 2.69% | 2.20% | 1.65% | 1.38% | 0.94% | 0.78% | 0.92% | -74 bps | |
| Allowance / Loans | 2.48% | 2.56% | 2.37% | 2.44% | 2.47% | 2.56% | 2.51% | 1.92% | -52 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.17% | 12.94% | 13.48% | 11.58% | 12.20% | 12.34% | 12.24% | 10.73% | -86 bps | |
| Equity / Assets | 10.31% | 9.90% | 10.62% | 9.88% | 10.25% | 10.73% | 10.38% | 8.96% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.09% | 85.54% | 89.75% | 89.73% | 90.44% | 94.61% | 95.90% | 92.11% | +238 bps | |
| Liquid Assets / Assets | 7.60% | 11.25% | 3.84% | 6.22% | 7.13% | 2.07% | 2.95% | 4.33% | -190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |