Appleton, WI · Cert 34993
FDIC · 2 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Appleton, WI · Cert 34993
FDIC · 2 branches
Q1 2016
Market Position · Appleton, WI · 2015 SOD (annual) · 4.1% share · #7 of 31 inst. · $0.2B of $3.8B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.40% | 0.38% | 0.36% | 0.41% | 0.41% | 0.40% | 0.34% | -1 bps | |
| Return on Equity | 3.06% | 3.19% | 3.02% | 2.75% | 3.19% | 3.23% | 3.18% | 2.74% | -1 bps | |
| Net Interest Margin | 2.56% | 2.54% | 2.52% | 2.33% | 2.53% | 2.47% | 2.42% | 2.29% | -4 bps | |
| Efficiency Ratio | 67.60% | 66.54% | 67.48% | 67.31% | 64.70% | 64.34% | 64.70% | 67.02% | -29 bps | |
| Non-Interest Burden | 1.73% | 1.69% | 1.70% | 1.56% | 1.63% | 1.59% | 1.56% | 1.53% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.10% | -0.40% | -3.72% | 0.99% | -1.50% | 2.58% | 4.67% | -1.77% | -276 bps | |
| Loan Growth (YoY) | -3.66% | -8.14% | -5.36% | -5.66% | -2.28% | -2.78% | -3.17% | -7.46% | -180 bps | |
| Deposit Growth (YoY) | 3.11% | -0.97% | -4.93% | 0.29% | -1.41% | 2.98% | 5.54% | -1.70% | -199 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 | 1.65% | 1.12% | 0.83% | 4.52% | 3.07% | 2.04% | 1.92% | -0.05% | -457 bps | |
| Allowance / Loans | 3.29% | 3.51% | 3.61% | 2.51% | 2.37% | 2.63% | 2.35% | 2.53% | +2 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 | 12.89% | 12.99% | 12.78% | 12.69% | 12.32% | -57 bps | |
| Total Risk-Based Capital | 19.71% | 20.40% | 20.56% | 19.49% | 20.14% | 21.07% | 20.86% | 21.50% | +201 bps | |
| Equity / Assets | 12.78% | 13.09% | 12.79% | 13.12% | 12.70% | 12.62% | 11.98% | 13.13% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.28% | 73.31% | 70.84% | 73.17% | 73.63% | 69.21% | 64.99% | 68.88% | -428 bps | |
| Liquid Assets / Assets | 8.08% | 10.10% | 11.05% | 8.14% | 8.44% | 15.10% | 18.96% | 16.64% | +849 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |