Livingston, WI · Cert 6185
FDIC · 3 branches
Q3 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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.97% | 0.92% | -0.26% | 0.36% | -60 bps | |
| Return on Equity | 7.74% | 7.81% | 7.16% | -1.99% | 2.77% | -497 bps | |
| Net Interest Margin | 3.51% | 3.49% | 3.53% | 3.58% | 3.75% | +25 bps | |
| Efficiency Ratio | 63.71% | 62.96% | 63.54% | 63.92% | 59.79% | -392 bps | |
| Non-Interest Burden | 2.08% | 2.04% | 2.11% | 2.11% | 2.08% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | 4.25% | 0.50% | 2.49% | -0.42% | -378 bps | |
| Loan Growth (YoY) | 0.08% | 0.12% | 1.50% | 1.64% | 2.57% | +249 bps | |
| Deposit Growth (YoY) | -0.34% | 3.64% | -2.83% | -2.05% | -3.57% | -323 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.02% | -0.04% | -0.04% | -1 bps | |
| Allowance / Loans | 1.60% | 1.62% | 1.59% | 0.00% | 0.13% | -148 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.22% | 11.47% | 11.50% | 9.90% | 10.04% | -118 bps | |
| Total Risk-Based Capital | 16.56% | 17.54% | 17.03% | 13.46% | 13.83% | -273 bps | |
| Equity / Assets | 12.40% | 12.55% | 13.13% | 12.95% | 13.55% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.22% | 86.82% | 92.93% | 90.80% | 93.84% | +562 bps | |
| Liquid Assets / Assets | 5.81% | 9.19% | 5.24% | 5.77% | 5.32% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |