La Crosse, WI · Charter 67253
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.40% | 0.21% | 0.47% | 1.00% | 0.99% | 1.38% | 1.43% | +96 bps | |
| Return on Equity | 4.50% | 4.12% | 2.16% | 4.86% | 9.85% | 9.44% | 13.33% | 13.11% | +825 bps | |
| Net Interest Margin | 3.60% | 3.62% | 3.33% | 3.38% | 3.43% | 3.49% | 3.46% | 3.58% | +20 bps | |
| Efficiency Ratio | 84.01% | 80.11% | 85.87% | 83.36% | 75.58% | 77.52% | 72.88% | 72.69% | -1,068 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 2.57% | 3.16% | 2.34% | 3.49% | 3.30% | 5.05% | 2.45% | +10 bps | |
| Loan Growth (YoY) | 2.45% | 2.38% | 1.94% | 4.69% | 2.39% | 7.91% | 8.38% | 9.75% | +505 bps | |
| Share Growth (YoY) | 5.19% | 2.74% | 2.42% | 1.26% | 2.69% | 2.25% | 4.46% | 2.20% | +95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.38% | 2.68% | 1.43% | 1.47% | 1.35% | 1.28% | 1.29% | -14 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 | 1.60% | 1.80% | 1.92% | 1.65% | 1.53% | 1.33% | 1.22% | 1.13% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.69% | 9.78% | 9.54% | 9.67% | 10.19% | 10.45% | 10.32% | 10.88% | +121 bps | |
| Net Worth / Assets | 9.69% | 9.78% | 9.54% | 9.67% | 10.19% | 10.45% | 10.32% | 10.88% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.67% | 83.75% | 82.38% | 83.73% | 85.42% | 88.38% | 85.47% | 89.91% | +618 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |