Racine, WI · Charter 66723
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 | -1.04% | -0.53% | -1.98% | -1.90% | -0.59% | -0.10% | -0.09% | -0.39% | +150 bps | |
| Return on Equity | -4.85% | -2.53% | -9.94% | -9.05% | -2.94% | -0.52% | -0.42% | -4.27% | +478 bps | |
| Net Interest Margin | 2.84% | 2.83% | 2.83% | 3.02% | 2.58% | 2.74% | 2.79% | 3.12% | +9 bps | |
| Efficiency Ratio | 136.05% | 118.06% | 111.74% | 106.33% | 108.84% | 96.06% | 96.90% | 100.79% | -553 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -2.32% | -0.89% | -1.56% | -2.68% | -2.31% | -4.22% | -7.41% | -585 bps | |
| Loan Growth (YoY) | 7.49% | 2.72% | 0.18% | 2.02% | -3.70% | -4.49% | -4.62% | -7.83% | -984 bps | |
| Share Growth (YoY) | -6.56% | -2.48% | 1.02% | 0.45% | -1.55% | -1.48% | -5.42% | 3.70% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.63% | 1.06% | 0.00% | 0.00% | 0.04% | 0.36% | 0.16% | +16 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 | 1.16% | 1.13% | 1.13% | 1.14% | 1.31% | 1.32% | 1.32% | 1.06% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.35% | 21.02% | 19.91% | 20.96% | 20.21% | 19.93% | 20.42% | 9.24% | -1,172 bps | |
| Net Worth / Assets | 21.35% | 21.02% | 19.91% | 20.96% | 20.21% | 19.93% | 20.42% | 9.24% | -1,172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.84% | 73.33% | 72.77% | 74.24% | 71.25% | 71.08% | 73.39% | 65.99% | -825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |