Niagara, WI · Cert 5313
FDIC · 4 branches
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.39% | 0.39% | 0.50% | 0.42% | 0.41% | 0.38% | 0.44% | -6 bps | |
| Return on Equity | 4.00% | 3.78% | 3.59% | 4.67% | 3.91% | 3.84% | 3.53% | 4.07% | -60 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.12% | 3.26% | 3.22% | 3.20% | 3.17% | 3.36% | +10 bps | |
| Efficiency Ratio | 92.52% | 92.44% | 89.42% | 84.95% | 88.50% | 88.59% | 83.10% | 82.82% | -212 bps | |
| Non-Interest Burden | 2.92% | 2.91% | 2.74% | 2.69% | 2.79% | 2.77% | 2.54% | 2.69% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.52% | -9.03% | 1.52% | 1.75% | 5.91% | 3.70% | 1.90% | 1.10% | -66 bps | |
| Loan Growth (YoY) | -0.77% | 9.00% | 12.54% | 12.38% | 10.40% | 2.85% | -0.80% | -5.62% | -1,800 bps | |
| Deposit Growth (YoY) | -8.94% | -10.69% | 1.22% | 1.65% | 6.72% | 4.20% | 3.67% | 2.36% | +71 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 | 0.13% | 0.09% | 0.08% | 0.07% | 0.08% | 0.06% | 0.71% | 0.42% | +35 bps | |
| Allowance / Loans | 1.19% | 1.08% | 1.06% | 1.04% | 1.01% | 1.02% | 1.01% | 1.11% | +6 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 | 10.40% | 10.46% | 10.33% | 10.25% | 10.10% | 10.45% | -1 bps | |
| Total Risk-Based Capital | 21.96% | 20.57% | 20.43% | 20.44% | 20.33% | 20.15% | 20.75% | 21.49% | +105 bps | |
| Equity / Assets | 11.05% | 10.70% | 10.84% | 10.68% | 10.60% | 10.46% | 10.83% | 11.06% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.14% | 60.18% | 60.31% | 60.25% | 59.11% | 59.40% | 57.71% | 55.55% | -470 bps | |
| Liquid Assets / Assets | 9.24% | 8.80% | 9.48% | 8.16% | 9.90% | 11.23% | 9.87% | 10.39% | +223 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |