Barron, WI · Cert 5338
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Barron, WI · Cert 5338
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.34% | 0.51% | 0.50% | 0.71% | 0.72% | 0.69% | 1.64% | +114 bps | |
| Return on Equity | 4.74% | 4.08% | 5.92% | 5.45% | 7.78% | 7.82% | 7.44% | 16.58% | +1,112 bps | |
| Net Interest Margin | 3.18% | 3.20% | 3.27% | 3.21% | 3.42% | 3.53% | 3.62% | 3.47% | +26 bps | |
| Efficiency Ratio | 89.81% | 90.90% | 85.86% | 85.95% | 81.51% | 81.78% | 81.94% | 92.13% | +618 bps | |
| Non-Interest Burden | 2.78% | 2.85% | 2.73% | 2.62% | 2.62% | 2.73% | 2.85% | 3.13% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.93% | 3.53% | 3.38% | -6.02% | -7.59% | -5.59% | -6.60% | -5.37% | +65 bps | |
| Loan Growth (YoY) | 6.58% | 15.28% | 8.49% | 6.66% | 8.69% | 0.98% | -1.55% | -7.05% | -1,371 bps | |
| Deposit Growth (YoY) | 16.19% | 4.57% | 4.92% | -5.73% | -9.45% | -6.49% | -8.36% | -7.76% | -203 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 | 0.06% | 0.18% | 0.21% | -0.04% | -0.03% | -0.03% | 0.03% | -0.01% | +3 bps | |
| Allowance / Loans | 1.71% | 1.49% | 1.45% | 1.52% | 1.51% | 1.52% | 1.52% | 1.11% | -40 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 | 14.16% | 13.84% | 13.93% | 14.48% | 14.36% | 14.85% | 15.21% | 16.79% | +230 bps | |
| Equity / Assets | 8.28% | 8.87% | 8.93% | 9.41% | 9.14% | 9.59% | 9.44% | 10.36% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.03% | 72.28% | 70.07% | 72.91% | 76.86% | 78.05% | 75.28% | 73.46% | +55 bps | |
| Liquid Assets / Assets | 7.13% | 8.39% | 4.70% | 6.50% | 4.21% | 1.72% | 2.28% | 7.07% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |