Oak Creek, WI · Charter 67014
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 | -0.09% | 0.22% | 0.17% | 0.08% | -0.21% | -0.36% | -0.79% | -1.53% | -161 bps | |
| Return on Equity | -0.89% | 2.18% | 1.64% | 0.83% | -2.10% | -3.53% | -7.57% | -16.52% | -1,735 bps | |
| Net Interest Margin | 2.80% | 2.63% | 2.67% | 2.68% | 2.51% | 2.65% | 2.68% | 2.56% | -11 bps | |
| Efficiency Ratio | 99.13% | 91.09% | 92.31% | 93.05% | 101.97% | 106.05% | 117.43% | 117.78% | +2,473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 4.71% | 4.15% | 2.88% | 3.62% | -4.00% | -8.15% | -6.33% | -920 bps | |
| Loan Growth (YoY) | -4.36% | -7.95% | -2.35% | 5.84% | 6.38% | 12.72% | -0.72% | -13.23% | -1,907 bps | |
| Share Growth (YoY) | 4.29% | 5.50% | 2.91% | 3.33% | 4.07% | -4.19% | -6.89% | -5.43% | -876 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 1.33% | 1.02% | 0.90% | 1.02% | 1.59% | 1.31% | 2.00% | +109 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 | 1.00% | 0.93% | 0.77% | 0.70% | 0.73% | 0.77% | 0.76% | 0.76% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.30% | 10.09% | 10.14% | 10.07% | 9.99% | 10.30% | 10.40% | 9.24% | -83 bps | |
| Net Worth / Assets | 10.30% | 10.09% | 10.14% | 10.07% | 9.99% | 10.30% | 10.40% | 9.24% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.93% | 58.39% | 64.39% | 67.23% | 65.35% | 68.70% | 68.65% | 61.68% | -555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |