La Crosse, WI · Charter 66463
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.26% | -0.83% | -0.41% | -0.25% | -0.08% | -0.01% | 0.15% | +56 bps | |
| Return on Equity | 1.90% | 2.02% | -6.98% | -3.41% | -2.13% | -0.64% | -0.08% | 1.21% | +462 bps | |
| Net Interest Margin | 3.21% | 3.05% | 2.86% | 2.94% | 2.92% | 3.01% | 3.14% | 3.17% | +23 bps | |
| Efficiency Ratio | 93.96% | 91.54% | 122.44% | 110.41% | 105.86% | 101.19% | 100.26% | 94.21% | -1,620 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.04% | 7.41% | 12.72% | 5.60% | 10.53% | 5.05% | -1.21% | -0.03% | -562 bps | |
| Loan Growth (YoY) | 3.53% | 3.72% | 5.42% | 4.28% | 7.91% | 9.61% | 3.17% | 1.22% | -306 bps | |
| Share Growth (YoY) | 6.18% | 8.28% | 14.87% | 6.80% | 11.42% | 6.01% | -1.37% | -0.01% | -681 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 0.58% | 0.11% | 0.98% | 0.19% | 0.07% | 0.17% | 0.29% | -69 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 | 0.69% | 0.67% | 0.42% | 0.42% | 0.40% | 0.41% | 0.43% | 0.47% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.26% | 12.82% | 11.92% | 12.15% | 11.88% | 12.12% | 12.20% | 12.36% | +21 bps | |
| Net Worth / Assets | 13.26% | 12.82% | 11.92% | 12.15% | 11.88% | 12.12% | 12.20% | 12.36% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.44% | 65.66% | 63.78% | 67.04% | 67.25% | 67.89% | 66.71% | 67.86% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |