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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.99% | 1.03% | 1.23% | 18.89% | 2.87% | 1.63% | 0.93% | -31 bps | |
| Return on Equity | 5.11% | 10.12% | 10.18% | 11.69% | 147.63% | 19.10% | 10.74% | 6.09% | -560 bps | |
| Net Interest Margin | 3.37% | 3.30% | 3.28% | 3.28% | 3.30% | 3.21% | 3.13% | 3.22% | -6 bps | |
| Efficiency Ratio | 89.09% | 85.15% | 90.78% | 80.92% | 84.02% | 84.24% | 71.22% | 82.78% | +187 bps | |
| Non-Interest Burden | 2.87% | 2.64% | 2.87% | 2.30% | 2.46% | 2.37% | 1.75% | 2.40% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.59% | -3.93% | -1.41% | -0.70% | 3.75% | 6.02% | 7.76% | 6.32% | +702 bps | |
| Loan Growth (YoY) | -9.37% | -5.89% | -2.14% | -0.29% | 1.32% | -0.23% | 4.58% | 8.72% | +901 bps | |
| Deposit Growth (YoY) | -6.20% | -4.53% | -2.92% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.11% | 0.21% | -0.83% | -0.35% | -0.16% | -1.26% | -0.17% | -0.46% | -11 bps | |
| Allowance / Loans | 3.15% | 3.01% | 2.98% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 10.85% | 12.03% | 12.74% | 12.35% | 12.82% | +197 bps | |
| Total Risk-Based Capital | 17.40% | 17.96% | 18.25% | 18.19% | 19.58% | 19.93% | 18.33% | 18.67% | +48 bps | |
| Equity / Assets | 9.71% | 9.93% | 10.37% | 10.75% | 14.74% | 15.30% | 14.98% | 15.46% | +471 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.01% | 83.71% | 86.38% | 85.40% | 86.25% | 84.54% | 88.50% | 92.56% | +716 bps | |
| Liquid Assets / Assets | 6.53% | 6.90% | 4.84% | 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 | n/a | n/a | n/a |