Two Rivers, WI · Charter 66403
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.
Two Rivers, WI · Charter 66403
Q1 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 0.33% | 0.22% | 0.23% | -0.41% | -0.18% | -0.13% | -0.01% | -0.34% | +7 bps | |
| Return on Equity | 3.82% | 2.64% | 2.68% | -4.99% | -2.12% | -1.59% | -0.14% | -4.14% | +84 bps | |
| Net Interest Margin | 2.77% | 2.68% | 2.65% | 2.29% | 2.27% | 2.28% | 2.28% | 2.06% | -23 bps | |
| Efficiency Ratio | 88.23% | 92.01% | 91.92% | 115.32% | 106.50% | 104.80% | 101.51% | 113.77% | -155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 5.38% | 7.26% | 5.66% | 3.32% | 1.09% | 0.59% | 1.47% | -419 bps | |
| Loan Growth (YoY) | -3.10% | 0.28% | -4.64% | -7.58% | -7.54% | -10.82% | -7.99% | -7.80% | -22 bps | |
| Share Growth (YoY) | 1.14% | 5.63% | 7.72% | 6.02% | 3.58% | 1.26% | 0.62% | 1.59% | -442 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 1.79% | 1.25% | 0.83% | 1.01% | 1.05% | 1.91% | 2.01% | +117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.59% | 0.60% | 0.63% | 0.64% | 0.66% | 0.54% | 0.56% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.59% | 8.46% | 8.57% | 8.24% | 8.29% | 8.33% | 8.51% | 8.12% | -11 bps | |
| Net Worth / Assets | 8.59% | 8.46% | 8.57% | 8.24% | 8.29% | 8.33% | 8.51% | 8.12% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.18% | 67.67% | 65.60% | 61.37% | 60.87% | 59.60% | 59.98% | 55.70% | -567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |