Eagle River, WI · Cert 5343
FDIC · 4 branches
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.08% | 0.08% | 0.58% | 0.50% | 0.21% | -0.19% | -0.09% | -67 bps | |
| Return on Equity | 3.58% | 0.89% | 0.92% | 6.42% | 5.51% | 2.27% | -2.06% | -0.93% | -736 bps | |
| Net Interest Margin | 2.72% | 2.53% | 2.81% | 3.00% | 2.76% | 2.57% | 2.70% | 2.68% | -32 bps | |
| Efficiency Ratio | 90.92% | 95.73% | 97.42% | 85.76% | 84.52% | 92.10% | 96.55% | 99.16% | +1,340 bps | |
| Non-Interest Burden | 2.41% | 2.40% | 2.72% | 2.49% | 2.21% | 2.31% | 2.60% | 2.64% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -3.00% | -0.12% | -0.87% | -0.34% | 0.34% | -1.76% | -7.71% | -684 bps | |
| Loan Growth (YoY) | -1.28% | -3.55% | -2.02% | -1.43% | -1.93% | -0.95% | 3.75% | -1.08% | +35 bps | |
| Deposit Growth (YoY) | 1.42% | 0.27% | 2.47% | 3.71% | 1.85% | -0.48% | 1.78% | 0.53% | -317 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 | 0.00% | 0.66% | 0.31% | -0.02% | 0.21% | -0.08% | 1.30% | 0.71% | +73 bps | |
| Allowance / Loans | 1.16% | 1.04% | 0.96% | 0.97% | 0.95% | 1.00% | 0.75% | 0.72% | -25 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 | 9.01% | 8.86% | 8.73% | 8.82% | 8.97% | -4 bps | |
| Total Risk-Based Capital | 16.79% | 16.94% | 16.83% | 14.31% | 15.53% | 15.25% | 14.74% | 15.31% | +100 bps | |
| Equity / Assets | 8.73% | 8.94% | 8.79% | 9.40% | 8.93% | 9.41% | 8.91% | 10.15% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.77% | 87.28% | 83.65% | 86.17% | 85.48% | 86.86% | 85.27% | 84.78% | -139 bps | |
| Liquid Assets / Assets | 1.05% | 1.55% | 1.50% | 1.40% | 1.70% | 1.73% | 1.70% | 1.73% | +33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |