Drummond, WI · Cert 11625
FDIC · 3 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Drummond, WI · Cert 11625
FDIC · 3 branches
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.34% | 0.29% | 0.05% | 0.20% | 0.37% | 0.43% | -1.88% | -193 bps | |
| Return on Equity | 2.16% | 2.30% | 2.00% | 0.38% | 1.41% | 2.58% | 3.04% | -13.31% | -1,370 bps | |
| Net Interest Margin | 3.64% | 3.45% | 3.56% | 3.21% | 3.33% | 3.25% | 3.28% | 2.89% | -32 bps | |
| Efficiency Ratio | 90.90% | 92.21% | 92.78% | 98.35% | 94.78% | 99.37% | 97.66% | 155.35% | +5,699 bps | |
| Non-Interest Burden | 3.26% | 3.13% | 3.25% | 3.14% | 3.11% | 3.21% | 3.18% | 4.68% | +154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.14% | -7.20% | 3.84% | 3.53% | 5.90% | 3.46% | 1.18% | -0.29% | -382 bps | |
| Loan Growth (YoY) | -3.56% | -2.37% | -2.96% | -4.00% | -5.01% | -6.68% | -3.02% | -6.33% | -233 bps | |
| Deposit Growth (YoY) | -11.82% | -8.49% | 4.36% | 4.06% | 6.86% | 3.52% | 1.00% | 0.02% | -403 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.43% | 0.28% | 0.37% | 0.93% | 0.47% | 0.35% | 0.26% | 0.00% | -93 bps | |
| Allowance / Loans | 2.77% | 2.84% | 2.76% | 2.61% | 2.63% | 1.98% | 1.92% | 2.05% | -56 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 12.91% | 13.58% | 13.76% | 14.06% | 12.76% | -15 bps | |
| Total Risk-Based Capital | 27.97% | 28.64% | 29.12% | 30.01% | 31.16% | 32.17% | 31.66% | 31.91% | +190 bps | |
| Equity / Assets | 14.92% | 14.62% | 14.36% | 14.03% | 14.15% | 14.36% | 14.42% | 13.78% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.42% | 56.69% | 54.95% | 51.58% | 51.93% | 51.10% | 52.77% | 48.30% | -328 bps | |
| Liquid Assets / Assets | 15.44% | 20.40% | 21.90% | 24.34% | 28.14% | 31.74% | 31.10% | 38.53% | +1,419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |