Janesville, WI · Charter 66409
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.14% | 0.02% | 0.15% | 0.19% | 0.26% | 0.16% | -4.83% | -498 bps | |
| Return on Equity | 0.01% | -1.12% | 0.18% | 1.25% | 1.56% | 2.13% | 1.32% | -50.71% | -5,195 bps | |
| Net Interest Margin | 2.18% | 2.17% | 1.94% | 1.91% | 2.00% | 2.06% | 1.99% | -3.01% | -492 bps | |
| Efficiency Ratio | 99.53% | 99.10% | 99.04% | 92.53% | 90.96% | 87.94% | 92.15% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.66% | 2.06% | 4.28% | 3.96% | 4.38% | 3.99% | 2.44% | -0.51% | -448 bps | |
| Loan Growth (YoY) | -8.41% | -12.53% | -9.83% | -4.22% | 5.88% | 8.68% | 3.22% | -8.42% | -420 bps | |
| Share Growth (YoY) | 3.06% | 2.56% | 5.06% | 4.71% | 5.13% | 4.27% | 2.45% | 1.91% | -280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.07% | 0.06% | 0.05% | 0.01% | 0.01% | 0.20% | 0.21% | +16 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 | 0.53% | 0.39% | 0.50% | 0.53% | 0.29% | 0.36% | 0.41% | 0.46% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.57% | 12.55% | 11.99% | 11.71% | 12.05% | 12.33% | 12.00% | 9.53% | -217 bps | |
| Net Worth / Assets | 12.57% | 12.55% | 11.99% | 11.71% | 12.05% | 12.33% | 12.00% | 9.53% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.26% | 36.44% | 35.01% | 35.44% | 38.53% | 37.98% | 35.28% | 31.85% | -359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |