Cudahy, WI · Charter 66758
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | 0.07% | -0.04% | -0.05% | 0.01% | -0.09% | -0.34% | -0.36% | -30 bps | |
| Return on Equity | -3.08% | 1.05% | -0.53% | -0.80% | 0.17% | -1.39% | -5.09% | -5.33% | -453 bps | |
| Net Interest Margin | 3.02% | 2.99% | 3.07% | 2.95% | 2.76% | 2.83% | 2.91% | 3.05% | +10 bps | |
| Efficiency Ratio | 105.89% | 105.05% | 105.46% | 104.83% | 97.00% | 96.27% | 97.16% | 97.09% | -774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.82% | 0.24% | -1.25% | 3.60% | 5.24% | 4.91% | 3.74% | -3.58% | -718 bps | |
| Loan Growth (YoY) | 8.84% | 1.16% | 0.42% | -1.82% | -2.60% | 6.95% | 2.62% | 4.14% | +596 bps | |
| Share Growth (YoY) | 3.34% | 0.38% | -1.31% | 4.06% | 5.68% | 5.49% | 3.93% | -3.50% | -756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 1.30% | 0.68% | 0.42% | 0.60% | 1.71% | 1.26% | 0.72% | +30 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 | 1.03% | 0.63% | 0.65% | 0.51% | 0.52% | 0.55% | 0.49% | 0.42% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.94% | 7.01% | 7.13% | 6.81% | 6.60% | 6.55% | 6.59% | 6.70% | -10 bps | |
| Net Worth / Assets | 6.94% | 7.01% | 7.13% | 6.81% | 6.60% | 6.55% | 6.59% | 6.70% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.13% | 60.33% | 61.58% | 57.67% | 55.42% | 61.16% | 60.80% | 62.24% | +457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |