Merrill, WI · Cert 30120
FDIC · 1 branch
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.91% | 0.83% | 0.82% | 0.82% | 0.87% | 0.58% | 0.60% | -23 bps | |
| Return on Equity | 5.80% | 7.10% | 6.41% | 6.31% | 6.25% | 6.49% | 4.33% | 4.41% | -190 bps | |
| Net Interest Margin | 3.72% | 3.80% | 3.87% | 3.83% | 3.81% | 3.77% | 3.79% | 3.73% | -10 bps | |
| Efficiency Ratio | 67.66% | 62.31% | 65.16% | 64.76% | 65.06% | 63.35% | 74.81% | 74.51% | +975 bps | |
| Non-Interest Burden | 2.48% | 2.29% | 2.44% | 2.40% | 2.40% | 2.30% | 2.77% | 2.71% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | -1.25% | -3.36% | -0.90% | 0.94% | 1.94% | 3.55% | 1.09% | +200 bps | |
| Loan Growth (YoY) | -0.80% | -0.62% | 1.54% | 0.96% | 0.46% | 1.69% | -2.59% | -3.27% | -423 bps | |
| Deposit Growth (YoY) | -0.90% | -0.79% | -3.37% | -1.50% | 0.68% | 1.89% | 3.79% | 0.91% | +241 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 | 0.33% | 0.00% | 0.00% | 0.04% | 0.02% | 0.20% | 0.10% | 0.09% | +5 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.21% | 1.19% | 1.20% | 1.15% | 1.19% | 1.18% | -1 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 | 12.63% | 13.01% | 13.07% | 13.16% | 13.21% | 13.37% | 13.48% | +41 bps | |
| Total Risk-Based Capital | 17.99% | 18.42% | 18.25% | 18.52% | 19.22% | 19.05% | 18.96% | 19.26% | +74 bps | |
| Equity / Assets | 12.53% | 13.06% | 13.23% | 13.33% | 13.21% | 13.62% | 13.46% | 13.84% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.14% | 105.95% | 108.03% | 107.25% | 103.91% | 105.74% | 101.40% | 102.80% | -444 bps | |
| Liquid Assets / Assets | 7.66% | 5.82% | 4.28% | 6.20% | 4.50% | 7.48% | 5.54% | 5.97% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |