Tomah, WI · Cert 10007
FDIC · 5 branches
Q2 2019
Market Position · Milwaukee-Waukesha, WI · 2019 SOD (annual) · 0.2% share · #32 of 46 inst. · $0.1B of $63.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.09% | 1.11% | 0.67% | 0.29% | -71 bps | |
| Return on Equity | 11.07% | 12.08% | 12.32% | 7.33% | 3.21% | -786 bps | |
| Net Interest Margin | 3.50% | 3.53% | 3.49% | 3.56% | 3.60% | +9 bps | |
| Efficiency Ratio | 66.45% | 64.19% | 63.52% | 76.80% | 88.98% | +2,253 bps | |
| Non-Interest Burden | 2.09% | 2.01% | 1.97% | 2.63% | 3.16% | +107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.84% | 12.24% | 11.30% | 11.68% | 7.18% | +134 bps | |
| Loan Growth (YoY) | 13.21% | 20.80% | 15.89% | 14.83% | 14.29% | +109 bps | |
| Deposit Growth (YoY) | 4.27% | 12.82% | 11.17% | 14.84% | 9.29% | +502 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.33% | 0.19% | 0.26% | 0.25% | -11 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.05% | -0.03% | 0.01% | 0.05% | +9 bps | |
| Allowance / Loans | 0.93% | 0.91% | 0.88% | 0.85% | 0.82% | -11 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.8x | 4.6x | 3.3x | 3.2x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.18% | 9.24% | 9.30% | 9.14% | 8.98% | -20 bps | |
| Total Risk-Based Capital | 12.40% | 11.98% | 11.92% | 11.60% | 11.67% | -74 bps | |
| Equity / Assets | 9.05% | 8.86% | 9.18% | 8.99% | 9.20% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.23% | 96.83% | 102.79% | 100.42% | 103.78% | +455 bps | |
| Liquid Assets / Assets | 0.45% | 0.44% | 0.44% | 0.49% | 0.51% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |