Middleton, WI · Cert 33978
FDIC · 5 branches
Q1 2017
Market Position · Madison, WI · 2016 SOD (annual) · 1.3% share · #22 of 52 inst. · $0.2B of $17.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 1.59% | 1.00% | 1.03% | -0.19% | -109 bps | |
| Return on Equity | 7.20% | 12.31% | 7.52% | 7.94% | -1.50% | -870 bps | |
| Net Interest Margin | 3.07% | 3.00% | 2.99% | 2.87% | 3.23% | +15 bps | |
| Efficiency Ratio | 63.49% | 48.11% | 61.11% | 57.34% | 108.19% | +4,469 bps | |
| Non-Interest Burden | 1.69% | 0.52% | 1.50% | 1.31% | 3.52% | +183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.19% | 7.19% | 2.81% | 4.74% | 3.75% | -244 bps | |
| Loan Growth (YoY) | 12.65% | 11.26% | 6.75% | 3.16% | -8.13% | -2,078 bps | |
| Deposit Growth (YoY) | 5.41% | 6.26% | 1.81% | 4.36% | 2.59% | -281 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.93% | +93 bps | |
| Net Charge-Offs / Loans | 0.20% | -0.08% | 0.12% | -0.05% | -0.02% | -22 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.01% | 1.02% | 0.00% | -102 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.0x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.76% | 12.94% | 13.18% | 13.12% | 8.28% | -448 bps | |
| Total Risk-Based Capital | 17.06% | 17.38% | 17.72% | 17.82% | 10.26% | -680 bps | |
| Equity / Assets | 12.69% | 13.19% | 13.37% | 12.65% | 13.19% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.39% | 77.89% | 78.28% | 73.09% | 68.40% | -798 bps | |
| Liquid Assets / Assets | 1.86% | 1.68% | 1.53% | 1.45% | 1.42% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |