Chippewa Falls, WI · Charter 66647
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.
Chippewa Falls, WI · Charter 66647
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 | 0.12% | 0.12% | 0.11% | 0.13% | 0.06% | 0.01% | -0.12% | -1.26% | -139 bps | |
| Return on Equity | 0.97% | 0.95% | 0.88% | 1.05% | 0.49% | 0.06% | -0.93% | -10.59% | -1,164 bps | |
| Net Interest Margin | 2.40% | 2.31% | 2.32% | 2.33% | 2.17% | 2.18% | 2.23% | 2.24% | -9 bps | |
| Efficiency Ratio | 90.90% | 93.28% | 91.74% | 91.93% | 100.64% | 102.96% | 106.74% | 145.65% | +5,372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.17% | -6.88% | -5.60% | -5.18% | -1.73% | -0.95% | -2.75% | -4.38% | +81 bps | |
| Loan Growth (YoY) | 11.01% | 13.01% | 9.93% | 7.64% | 5.85% | 1.10% | -3.48% | -7.21% | -1,485 bps | |
| Share Growth (YoY) | -7.09% | -7.66% | -6.53% | -6.12% | -2.12% | -1.50% | -3.08% | -4.10% | +202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.01% | 3.44% | 3.41% | 0.29% | 0.29% | 1.44% | 0.58% | 1.28% | +99 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 | 1.39% | 1.25% | 1.31% | 1.18% | 1.13% | 1.13% | 1.13% | 1.17% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.19% | 12.37% | 12.49% | 12.54% | 12.52% | 12.57% | 12.81% | 11.86% | -68 bps | |
| Net Worth / Assets | 12.19% | 12.37% | 12.49% | 12.54% | 12.52% | 12.57% | 12.81% | 11.86% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.86% | 34.04% | 35.60% | 36.60% | 35.54% | 34.94% | 35.45% | 35.42% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |