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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 1.28% | 1.41% | 0.90% | 1.25% | 1.16% | 1.13% | -0.19% | -109 bps | |
| Return on Equity | 7.53% | 10.40% | 11.46% | 7.20% | 9.79% | 9.04% | 8.77% | -1.50% | -870 bps | |
| Net Interest Margin | 3.10% | 3.09% | 2.99% | 3.07% | 3.01% | 3.01% | 2.92% | 3.23% | +15 bps | |
| Efficiency Ratio | 64.35% | 65.08% | 64.20% | 63.49% | 54.83% | 56.78% | 56.91% | 108.19% | +4,469 bps | |
| Non-Interest Burden | 1.74% | 1.76% | 1.67% | 1.69% | 1.09% | 1.23% | 1.23% | 3.52% | +183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 7.64% | 7.55% | 6.19% | 7.19% | 2.81% | 4.74% | 3.75% | -244 bps | |
| Loan Growth (YoY) | 8.75% | 15.32% | 16.15% | 12.65% | 11.26% | 6.75% | 3.16% | -8.13% | -2,078 bps | |
| Deposit Growth (YoY) | 5.26% | 7.02% | 7.25% | 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% | 0.00% | 0.00% | 0.00% | 0.93% | +93 bps | |
| Net Charge-Offs / Loans | 0.14% | -0.28% | -0.13% | 0.20% | 0.06% | 0.08% | 0.05% | -0.02% | -22 bps | |
| Allowance / Loans | 2.27% | 1.76% | 1.10% | 1.02% | 1.03% | 1.01% | 1.02% | 0.00% | -102 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.33% | 12.78% | 12.52% | 12.76% | 12.94% | 13.18% | 13.12% | 8.28% | -448 bps | |
| Total Risk-Based Capital | 17.49% | 17.50% | 17.02% | 17.06% | 17.38% | 17.72% | 17.82% | 10.26% | -680 bps | |
| Equity / Assets | 12.41% | 12.57% | 12.32% | 12.69% | 13.19% | 13.37% | 12.65% | 13.19% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.39% | 74.66% | 73.94% | 76.39% | 77.89% | 78.28% | 73.09% | 68.40% | -798 bps | |
| Liquid Assets / Assets | 1.49% | 1.77% | 2.13% | 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 | n/a | n/a | n/a |