Delavan, WI · Cert 34220
FDIC · 4 branches
Q4 2014
Market Position · Janesville-Beloit, WI · 2014 SOD (annual) · 1.1% share · #14 of 18 inst. · $0.0B of $2.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.79% | 0.67% | 0.86% | -0.46% | -110 bps | |
| Return on Equity | 5.08% | 6.11% | 5.18% | 6.56% | -3.58% | -867 bps | |
| Net Interest Margin | 3.81% | 3.72% | 3.78% | 3.70% | 3.63% | -17 bps | |
| Efficiency Ratio | 61.73% | 67.90% | 71.94% | 68.17% | 121.25% | +5,952 bps | |
| Non-Interest Burden | 2.13% | 2.30% | 2.60% | 2.31% | 4.54% | +241 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.26% | -4.63% | -0.03% | -1.49% | 1.33% | +959 bps | |
| Loan Growth (YoY) | -9.00% | -8.38% | -5.27% | 3.34% | -1.56% | +744 bps | |
| Deposit Growth (YoY) | -5.44% | -3.42% | 2.20% | -0.31% | 0.10% | +554 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.09% | 0.08% | 0.02% | 0.58% | +22 bps | |
| Allowance / Loans | 1.42% | 1.57% | 1.56% | 1.59% | 1.47% | +5 bps | |
| Allowance Coverage of NPLs | 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.48% | 19.39% | 19.26% | 19.21% | 18.18% | -31 bps | |
| Equity / Assets | 12.82% | 12.91% | 13.11% | 13.13% | 12.76% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.92% | 81.67% | 85.05% | 85.45% | 84.49% | -143 bps | |
| Liquid Assets / Assets | 0.73% | 4.37% | 3.36% | 0.93% | 0.93% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |