Oshkosh, WI · Charter 67218
Q4 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.10% | -0.01% | 0.00% | 0.02% | -0.17% | -0.20% | -0.31% | -31 bps | |
| Return on Equity | -0.74% | -0.44% | -0.05% | 0.01% | 0.10% | -0.67% | -0.83% | -1.33% | -134 bps | |
| Net Interest Margin | 3.49% | 3.86% | 4.13% | 4.36% | 4.25% | 4.19% | 3.95% | 3.74% | -61 bps | |
| Efficiency Ratio | 102.67% | 101.63% | 99.99% | 99.79% | 99.54% | 103.20% | 103.94% | 106.44% | +664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | -2.58% | -7.37% | -8.53% | -18.24% | -11.41% | -3.90% | 3.47% | +1,200 bps | |
| Loan Growth (YoY) | -12.60% | -2.29% | 11.91% | 15.46% | 7.86% | -0.54% | -14.14% | -16.12% | -3,158 bps | |
| Share Growth (YoY) | 9.48% | -3.03% | -9.26% | -11.00% | -23.08% | -14.82% | -4.94% | 5.09% | +1,609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.00% | 0.88% | 1.03% | 0.24% | 0.24% | 0.93% | 0.39% | -64 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 | 1.10% | 0.98% | 0.87% | 0.87% | 0.96% | 0.99% | 1.02% | 1.04% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.58% | 22.52% | 23.56% | 24.64% | 25.22% | 25.39% | 24.38% | 23.50% | -114 bps | |
| Net Worth / Assets | 20.58% | 22.52% | 23.56% | 24.64% | 25.22% | 25.39% | 24.38% | 23.50% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.05% | 80.45% | 96.06% | 102.05% | 95.41% | 93.95% | 86.77% | 81.46% | -2,059 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |