Two Rivers, WI · Charter 66473
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.01% | -1.03% | -1.01% | -1.03% | -1.04% | -1.14% | -1.24% | -15.45% | -1,442 bps | |
| Return on Equity | -4.06% | -4.22% | -4.14% | -4.06% | -4.17% | -4.50% | -4.75% | -120.81% | -11,675 bps | |
| Net Interest Margin | 2.00% | 1.99% | 2.01% | 2.09% | 1.88% | 1.92% | 1.98% | -8.85% | -1,094 bps | |
| Efficiency Ratio | 149.82% | 151.02% | 149.44% | 146.86% | 154.13% | 158.17% | 161.14% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | -2.72% | -2.74% | -5.02% | -4.17% | -7.78% | -9.89% | -10.17% | -515 bps | |
| Loan Growth (YoY) | 23.26% | 13.72% | -1.09% | -10.78% | -10.93% | -11.41% | -13.42% | -15.26% | -448 bps | |
| Share Growth (YoY) | -0.84% | -2.65% | -2.46% | -5.37% | -4.17% | -8.90% | -11.69% | -8.06% | -269 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0 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 | 0.37% | 0.38% | 0.38% | 0.40% | 0.41% | 0.43% | 0.44% | 0.06% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.84% | 24.39% | 24.51% | 25.37% | 24.90% | 25.38% | 26.03% | 12.79% | -1,258 bps | |
| Net Worth / Assets | 24.84% | 24.39% | 24.51% | 25.37% | 24.90% | 25.38% | 26.03% | 12.79% | -1,258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.32% | 41.61% | 41.59% | 42.42% | 40.27% | 40.46% | 40.78% | 39.10% | -332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |