Hartford, WI · Cert 28531
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -0.61% | -0.90% | -0.66% | 0.10% | 0.25% | 0.22% | 0.22% | +89 bps | |
| Return on Equity | 2.55% | -6.13% | -9.03% | -6.63% | 0.98% | 2.41% | 2.14% | 2.13% | +875 bps | |
| Net Interest Margin | 3.32% | 3.40% | 3.41% | 3.43% | 2.94% | 3.30% | 3.26% | 3.26% | -17 bps | |
| Efficiency Ratio | 77.49% | 76.01% | 76.11% | 77.31% | 83.19% | 81.81% | 84.53% | 85.48% | +817 bps | |
| Non-Interest Burden | 2.56% | 2.56% | 2.56% | 2.63% | 2.41% | 2.68% | 2.74% | 2.77% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.78% | -6.64% | -8.56% | -7.78% | -8.71% | -9.94% | -8.66% | -6.15% | +163 bps | |
| Loan Growth (YoY) | -10.02% | -9.58% | -9.44% | -10.75% | -9.05% | -8.74% | -7.34% | -1.97% | +878 bps | |
| Deposit Growth (YoY) | -8.41% | -7.77% | -9.07% | -8.31% | -9.25% | -10.41% | -9.41% | -6.92% | +139 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 | 0.51% | 0.30% | 1.61% | 1.30% | 1.29% | 0.77% | 1.36% | 1.18% | -12 bps | |
| Allowance / Loans | 1.42% | 2.54% | 3.10% | 3.39% | 3.27% | 3.33% | 2.79% | 2.58% | -81 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 | 16.40% | 16.74% | 16.03% | 16.61% | 17.35% | 17.63% | 17.94% | 18.08% | +147 bps | |
| Equity / Assets | 10.22% | 10.01% | 10.02% | 10.03% | 10.54% | 10.59% | 10.82% | 10.80% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.11% | 78.05% | 78.18% | 75.50% | 78.28% | 79.49% | 79.97% | 79.51% | +402 bps | |
| Liquid Assets / Assets | 0.13% | 0.29% | 2.01% | 0.93% | 0.31% | 0.37% | 0.21% | 0.32% | -61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |