Madison, WI · Cert 58829
FDIC · 1 branch
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Madison, WI · Cert 58829
FDIC · 1 branch
Q1 2015
Market Position · Madison, WI · 2014 SOD (annual) · 0.5% share · #35 of 55 inst. · $0.1B of $16.2B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.31% | 0.31% | 0.31% | 0.47% | 0.54% | 0.71% | -1.32% | -163 bps | |
| Return on Equity | 2.41% | 2.81% | 2.88% | 3.19% | 4.92% | 5.61% | 7.37% | -13.16% | -1,635 bps | |
| Net Interest Margin | 3.74% | 3.66% | 3.46% | 3.76% | 3.72% | 3.66% | 3.70% | 3.95% | +19 bps | |
| Efficiency Ratio | 82.88% | 79.37% | 74.51% | 80.43% | 75.45% | 74.58% | 72.40% | 151.54% | +7,111 bps | |
| Non-Interest Burden | 2.95% | 2.76% | 2.39% | 2.97% | 2.73% | 2.65% | 2.57% | 6.11% | +314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.42% | 30.53% | 25.90% | 17.83% | 23.72% | 11.37% | 5.19% | 4.39% | -1,344 bps | |
| Loan Growth (YoY) | 45.60% | 28.19% | 29.26% | 18.86% | 31.48% | 20.40% | 17.64% | 10.18% | -867 bps | |
| Deposit Growth (YoY) | 28.66% | 39.27% | 32.10% | 27.15% | 27.14% | 13.06% | 5.45% | 0.26% | -2,689 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.14% | 1.48% | 1.48% | 1.41% | 1.39% | 1.39% | 1.42% | -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 | n/a | n/a | n/a | n/a | n/a | 9.83% | n/a | n/a |
| Total Risk-Based Capital | 15.35% | 14.25% | 14.27% | 13.96% | 12.85% | 12.86% | 13.22% | 13.08% | -88 bps | |
| Equity / Assets | 11.01% | 9.94% | 9.69% | 9.90% | 9.30% | 9.42% | 9.89% | 10.21% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.40% | 107.39% | 105.90% | 113.23% | 113.13% | 114.36% | 118.15% | 124.44% | +1,121 bps | |
| Liquid Assets / Assets | 4.20% | 4.29% | 6.98% | 0.55% | 0.25% | 0.25% | 0.26% | 0.00% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |