Fond Du Lac, WI · Charter 66651
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.21% | -0.06% | 0.04% | 0.06% | -0.45% | -0.22% | -0.19% | -23 bps | |
| Return on Equity | -3.47% | -1.69% | -0.53% | 0.28% | 0.44% | -3.66% | -1.85% | -1.73% | -200 bps | |
| Net Interest Margin | 2.65% | 2.50% | 2.48% | 2.80% | 2.82% | 2.95% | 2.90% | 2.85% | +4 bps | |
| Efficiency Ratio | 108.40% | 106.18% | 101.82% | 98.62% | 98.10% | 111.48% | 105.65% | 105.02% | +640 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.96% | 8.02% | 9.85% | 1.71% | 1.66% | 0.35% | 0.51% | 13.54% | +1,183 bps | |
| Loan Growth (YoY) | 7.00% | 43.86% | 48.91% | 77.38% | 93.55% | 75.94% | 59.18% | 30.30% | -4,709 bps | |
| Share Growth (YoY) | 8.73% | 9.61% | 8.79% | 1.75% | 0.61% | 0.17% | 3.37% | 10.27% | +852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.61% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.04% | +4 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 | 1.15% | 1.00% | 0.83% | 0.70% | 0.63% | 0.61% | 0.55% | 0.56% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.87% | 12.25% | 11.77% | 12.92% | 12.71% | 12.20% | 11.69% | 11.26% | -166 bps | |
| Net Worth / Assets | 12.87% | 12.25% | 11.77% | 12.92% | 12.71% | 12.20% | 11.69% | 11.26% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.15% | 32.93% | 39.05% | 52.15% | 58.01% | 57.84% | 60.13% | 61.62% | +947 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |