Marinette, WI · Charter 66558
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Marinette, WI · Charter 66558
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.33% | 0.35% | 0.38% | 0.54% | 0.59% | 0.56% | -1.03% | -140 bps | |
| Return on Equity | 0.08% | 3.13% | 3.00% | 3.14% | 4.51% | 4.97% | 4.56% | -9.47% | -1,261 bps | |
| Net Interest Margin | 3.82% | 3.78% | 3.58% | 3.67% | 3.59% | 3.58% | 3.70% | 3.56% | -11 bps | |
| Efficiency Ratio | 94.94% | 88.10% | 86.28% | 86.17% | 86.21% | 85.55% | 86.96% | 123.56% | +3,739 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.00% | -3.12% | 5.93% | 7.87% | 7.32% | 8.91% | -1.81% | 0.44% | -743 bps | |
| Loan Growth (YoY) | 2.54% | 3.85% | 5.83% | 7.47% | 12.95% | 11.58% | 7.22% | 1.03% | -644 bps | |
| Share Growth (YoY) | 0.00% | -3.92% | 4.32% | 7.36% | 5.52% | 7.72% | -2.75% | 1.81% | -555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.21% | 1.65% | 0.11% | 0.06% | 1.45% | 0.15% | 0.00% | 0.58% | +52 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 | 0.85% | 0.87% | 0.60% | 0.69% | 0.97% | 1.19% | 1.10% | 1.15% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.44% | 10.65% | 11.61% | 11.95% | 11.92% | 11.96% | 12.35% | 10.87% | -108 bps | |
| Net Worth / Assets | 10.44% | 10.65% | 11.61% | 11.95% | 11.92% | 11.96% | 12.35% | 10.87% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.46% | 82.17% | 80.83% | 83.75% | 85.06% | 85.11% | 89.11% | 83.11% | -64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |