Livingston, WI · Cert 6185
FDIC · 3 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 0.94% | 1.01% | 0.93% | 1.00% | 0.92% | -1.43% | 1.59% | +66 bps | |
| Return on Equity | 9.39% | 7.62% | 8.12% | 7.47% | 8.01% | 7.16% | -10.97% | 11.98% | +451 bps | |
| Net Interest Margin | 3.62% | 3.54% | 3.59% | 3.49% | 3.44% | 3.53% | 3.62% | 4.19% | +70 bps | |
| Efficiency Ratio | 56.72% | 63.58% | 63.70% | 63.84% | 60.69% | 63.54% | 64.29% | 52.77% | -1,107 bps | |
| Non-Interest Burden | 1.98% | 2.08% | 2.14% | 2.08% | 1.91% | 2.11% | 2.14% | 2.09% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.87% | -0.94% | -2.01% | 3.36% | 4.25% | 0.50% | 2.49% | -0.42% | -378 bps | |
| Loan Growth (YoY) | 6.65% | 6.15% | 5.11% | 0.08% | 0.12% | 1.50% | 1.64% | 2.57% | +249 bps | |
| Deposit Growth (YoY) | -5.54% | -3.19% | -4.25% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.07% | 0.01% | -0.02% | -0.02% | -0.07% | -0.02% | -4 bps | |
| Allowance / Loans | 1.59% | 1.59% | 1.60% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 11.08% | 11.20% | 11.22% | 11.47% | 11.50% | 9.90% | 10.04% | -118 bps | |
| Total Risk-Based Capital | 16.81% | 16.08% | 16.06% | 16.56% | 17.54% | 17.03% | 13.46% | 13.83% | -273 bps | |
| Equity / Assets | 12.26% | 12.48% | 12.38% | 12.40% | 12.55% | 13.13% | 12.95% | 13.55% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.88% | 88.97% | 87.51% | 88.22% | 86.82% | 92.93% | 90.80% | 93.84% | +562 bps | |
| Liquid Assets / Assets | 2.77% | 3.68% | 3.74% | 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 | n/a | n/a | n/a |