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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.09% | 1.20% | 4.40% | 1.36% | 1.06% | 1.43% | -0.06% | -446 bps | |
| Return on Equity | 4.09% | 0.91% | 11.74% | 42.93% | 13.49% | 10.12% | 13.51% | -0.61% | -4,354 bps | |
| Net Interest Margin | 3.13% | 3.31% | 3.44% | 3.55% | 3.57% | 3.57% | 3.76% | 3.84% | +29 bps | |
| Efficiency Ratio | 68.34% | 60.39% | 58.56% | 62.41% | 58.23% | 54.33% | 56.06% | 115.96% | +5,356 bps | |
| Non-Interest Burden | 1.63% | 1.11% | 1.22% | 1.72% | 1.15% | 0.96% | 1.22% | 4.83% | +311 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% | 2.56% | 1.19% | 0.23% | 1.38% | 0.54% | 0.46% | 1.33% | +111 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 |