Brillion, WI · Charter 66991
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.70% | -0.64% | 0.01% | 0.21% | 0.26% | 0.15% | +79 bps | |
| Return on Equity | 7.71% | 7.80% | 8.81% | -8.59% | 0.07% | 2.62% | 3.22% | 1.93% | +1,052 bps | |
| Net Interest Margin | 4.15% | 4.18% | 4.18% | 3.84% | 3.82% | 3.75% | 3.72% | 3.07% | -77 bps | |
| Efficiency Ratio | 74.35% | 73.85% | 72.97% | 79.76% | 81.22% | 80.94% | 83.67% | 95.79% | +1,603 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | -1.76% | 0.02% | 4.99% | 4.16% | 4.11% | 2.30% | 2.19% | -280 bps | |
| Loan Growth (YoY) | -4.69% | -5.52% | -7.38% | -9.62% | -10.80% | -12.74% | -12.07% | -13.52% | -390 bps | |
| Share Growth (YoY) | -1.79% | -2.00% | -0.76% | 5.24% | 4.44% | 3.99% | 2.33% | 1.74% | -349 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 2.32% | 2.55% | 2.01% | 1.83% | 2.11% | 1.17% | 1.50% | -51 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 | 2.14% | 2.29% | 1.96% | 2.52% | 2.52% | 2.42% | 1.92% | 1.87% | -65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 7.79% | 7.96% | 7.47% | 7.72% | 7.88% | 8.04% | 7.76% | +28 bps | |
| Net Worth / Assets | 7.62% | 7.79% | 7.96% | 7.47% | 7.72% | 7.88% | 8.04% | 7.76% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.54% | 93.42% | 88.37% | 81.42% | 80.74% | 78.40% | 75.93% | 69.20% | -1,222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |