La Crosse, WI · Charter 66610
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 | -0.11% | -0.14% | -0.60% | -0.41% | -0.20% | -0.22% | -0.70% | -4.44% | -403 bps | |
| Return on Equity | -1.00% | -1.25% | -5.21% | -3.76% | -1.90% | -1.95% | -6.53% | -46.07% | -4,230 bps | |
| Net Interest Margin | 3.80% | 3.81% | 4.01% | 3.71% | 3.64% | 3.90% | 3.90% | 3.55% | -17 bps | |
| Efficiency Ratio | 100.42% | 100.75% | 100.86% | 108.19% | 103.97% | 102.97% | 106.09% | 190.38% | +8,220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.00% | -5.89% | -9.75% | -3.63% | 1.31% | -3.44% | 1.13% | -4.37% | -75 bps | |
| Loan Growth (YoY) | -9.16% | -6.77% | 3.14% | 1.17% | 0.04% | -0.22% | -5.55% | -2.47% | -364 bps | |
| Share Growth (YoY) | -6.80% | -6.49% | -10.39% | -3.26% | 2.25% | -3.08% | 2.28% | -2.89% | +37 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.03% | 3.26% | 2.78% | 1.40% | 1.49% | 1.41% | 0.18% | 1.33% | -7 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 | 1.55% | 1.56% | 1.58% | 1.62% | 1.67% | 1.70% | 2.17% | 2.16% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.36% | 11.43% | 11.55% | 10.84% | 10.61% | 11.19% | 10.72% | 9.63% | -121 bps | |
| Net Worth / Assets | 11.36% | 11.43% | 11.55% | 10.84% | 10.61% | 11.19% | 10.72% | 9.63% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.46% | 82.84% | 90.63% | 82.91% | 78.72% | 85.29% | 83.69% | 83.27% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |