Madison, WI · Cert 29979
FDIC · 52 branches
Q1 2016
Market Position · Madison, WI · 2015 SOD (annual) · 6.1% share · #5 of 53 inst. · $1.0B of $16.8B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 10.15% | 7.67% | 6.12% | 0.93% | -31 bps | |
| Return on Equity | 11.69% | 84.52% | 59.61% | 46.02% | 6.09% | -560 bps | |
| Net Interest Margin | 3.28% | 3.26% | 3.21% | 3.14% | 3.22% | -6 bps | |
| Efficiency Ratio | 80.92% | 82.50% | 83.06% | 80.24% | 82.78% | +187 bps | |
| Non-Interest Burden | 2.30% | 2.36% | 2.29% | 2.12% | 2.40% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.70% | 3.75% | 6.02% | 7.76% | 6.32% | +702 bps | |
| Loan Growth (YoY) | -0.29% | 1.32% | -0.23% | 4.58% | 8.72% | +901 bps | |
| Deposit Growth (YoY) | -2.30% | -2.48% | -1.20% | 2.08% | 0.31% | +260 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.35% | -0.25% | -0.59% | -0.46% | -0.46% | -11 bps | |
| Allowance / Loans | 3.00% | 2.97% | 1.90% | 1.52% | 1.37% | -164 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.85% | 12.03% | 12.74% | 12.35% | 12.82% | +197 bps | |
| Total Risk-Based Capital | 18.19% | 19.58% | 19.93% | 18.33% | 18.67% | +48 bps | |
| Equity / Assets | 10.75% | 14.74% | 15.30% | 14.98% | 15.46% | +471 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.40% | 86.25% | 84.54% | 88.50% | 92.56% | +716 bps | |
| Liquid Assets / Assets | 6.01% | 3.91% | 6.34% | 2.09% | 3.41% | -260 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |