Oshkosh, WI · Charter 66805
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 | -0.32% | -0.19% | -0.12% | 0.08% | 0.11% | -0.01% | 0.17% | -0.01% | -9 bps | |
| Return on Equity | -4.25% | -2.67% | -1.66% | 1.11% | 1.51% | -0.15% | 2.33% | -0.15% | -125 bps | |
| Net Interest Margin | 2.62% | 2.57% | 2.75% | 2.74% | 2.68% | 2.70% | 2.79% | 2.81% | +7 bps | |
| Efficiency Ratio | 105.83% | 101.65% | 99.12% | 96.40% | 91.29% | 104.43% | 95.37% | 95.68% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.36% | 0.46% | -0.53% | 1.03% | 4.31% | 1.04% | 2.65% | -1.34% | -237 bps | |
| Loan Growth (YoY) | 1.13% | 0.18% | -2.86% | -4.75% | -2.45% | -2.53% | -1.72% | -5.29% | -54 bps | |
| Share Growth (YoY) | -1.32% | 0.64% | -0.41% | 1.17% | 4.20% | -1.50% | 2.40% | -1.93% | -310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 1.46% | 1.91% | 1.97% | 1.24% | 1.36% | 0.44% | 1.67% | -31 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 | 0.29% | 0.34% | 0.41% | 0.31% | 0.34% | 0.24% | 0.19% | 0.44% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.40% | 7.06% | 7.40% | 7.46% | 7.23% | 7.05% | 7.41% | 7.44% | -2 bps | |
| Net Worth / Assets | 7.40% | 7.06% | 7.40% | 7.46% | 7.23% | 7.05% | 7.41% | 7.44% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.98% | 81.46% | 84.80% | 82.58% | 80.49% | 80.61% | 81.38% | 79.76% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |