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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.56% | 0.46% | 0.50% | 0.79% | 0.73% | 0.77% | 0.46% | -4 bps | |
| Return on Equity | 4.53% | 4.61% | 3.77% | 4.10% | 6.11% | 5.64% | 5.95% | 3.57% | -52 bps | |
| Net Interest Margin | 3.59% | 3.81% | 3.85% | 3.84% | 3.72% | 3.81% | 3.71% | 3.70% | -13 bps | |
| Efficiency Ratio | 69.31% | 68.61% | 67.81% | 66.31% | 67.90% | 69.84% | 69.28% | 82.13% | +1,582 bps | |
| Non-Interest Burden | 2.30% | 2.43% | 2.42% | 2.34% | 2.30% | 2.48% | 2.39% | 2.93% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.39% | -8.64% | -5.15% | -8.26% | -4.63% | -0.03% | -1.49% | 1.33% | +959 bps | |
| Loan Growth (YoY) | -7.48% | -6.31% | -10.83% | -9.00% | -8.38% | -5.27% | 3.34% | -1.56% | +744 bps | |
| Deposit Growth (YoY) | -3.76% | -6.81% | -2.26% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.93% | 1.82% | 4.17% | 3.11% | 0.09% | 0.08% | 0.06% | 0.19% | -292 bps | |
| Allowance / Loans | 2.69% | 2.70% | 1.27% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.87% | 17.19% | 17.96% | 18.48% | 19.39% | 19.26% | 19.21% | 18.18% | -31 bps | |
| Equity / Assets | 12.10% | 12.70% | 12.31% | 12.82% | 12.91% | 13.11% | 13.13% | 12.76% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.08% | 91.76% | 82.43% | 85.92% | 81.67% | 85.05% | 85.45% | 84.49% | -143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |