Beloit, WI · Charter 66994
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.02% | 0.03% | 0.06% | -0.14% | -0.12% | -0.12% | -2.52% | -258 bps | |
| Return on Equity | 0.08% | 0.17% | 0.22% | 0.47% | -1.25% | -1.08% | -1.10% | -29.99% | -3,045 bps | |
| Net Interest Margin | 1.86% | 1.90% | 1.89% | 1.97% | 1.76% | 1.80% | 1.80% | 0.79% | -118 bps | |
| Efficiency Ratio | 99.67% | 99.35% | 99.14% | 98.22% | 105.23% | 104.40% | 104.42% | 246% | +14,731 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | -0.65% | 6.79% | 2.69% | 2.45% | 2.31% | 1.39% | 8.90% | +622 bps | |
| Loan Growth (YoY) | -5.56% | -8.13% | -8.28% | -4.96% | -7.36% | -2.25% | -3.05% | -9.84% | -488 bps | |
| Share Growth (YoY) | 0.98% | -0.78% | 7.93% | 3.00% | 2.79% | 2.35% | 1.56% | 11.29% | +829 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.95% | 0.29% | 0.29% | 0.70% | 0.17% | 0.17% | 0.16% | -13 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 | 0.66% | 0.64% | 0.60% | 0.58% | 0.62% | 0.59% | 0.56% | 0.56% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.43% | 11.57% | 11.41% | 11.90% | 11.17% | 11.29% | 11.20% | 8.41% | -349 bps | |
| Net Worth / Assets | 11.43% | 11.57% | 11.41% | 11.90% | 11.17% | 11.29% | 11.20% | 8.41% | -349 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.92% | 42.20% | 40.78% | 43.82% | 38.68% | 40.31% | 38.93% | 35.50% | -832 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |