Bancroft, WI · Cert 12342
FDIC · 5 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Bancroft, WI · Cert 12342
FDIC · 5 branches
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.76% | -0.73% | -0.20% | 0.19% | 1.21% | 1.15% | 1.14% | +134 bps | |
| Return on Equity | 4.59% | 8.58% | -8.31% | -2.32% | 2.12% | 10.86% | 10.08% | 9.86% | +1,218 bps | |
| Net Interest Margin | 3.28% | 3.26% | 3.36% | 3.42% | 0.44% | 3.45% | 3.47% | 3.52% | +10 bps | |
| Efficiency Ratio | 88.92% | 79.33% | 133.46% | 107.91% | 63.52% | 66.71% | 67.48% | 67.81% | -4,010 bps | |
| Non-Interest Burden | 2.90% | 2.50% | 4.09% | 3.62% | 0.25% | 2.11% | 2.15% | 2.19% | -143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | 0.92% | 1.49% | 3.87% | 4.37% | 0.70% | -0.05% | -0.08% | -395 bps | |
| Loan Growth (YoY) | 3.24% | 3.18% | 3.81% | 2.50% | -1.02% | -0.35% | -5.23% | -5.61% | -810 bps | |
| Deposit Growth (YoY) | -0.30% | 0.26% | 1.84% | 4.30% | 2.18% | -2.09% | -3.91% | -3.49% | -780 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 | -0.17% | -0.01% | -0.03% | 0.01% | 0.01% | -0.02% | 0.06% | 0.05% | +3 bps | |
| Allowance / Loans | 1.66% | 1.68% | 1.66% | 1.61% | 0.00% | 0.04% | 0.06% | 0.11% | -150 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 | 8.89% | 8.55% | 8.77% | 10.28% | 10.52% | 11.01% | 11.32% | +255 bps | |
| Total Risk-Based Capital | 15.26% | 16.37% | 15.34% | 15.40% | 16.79% | 17.26% | 18.00% | 17.96% | +256 bps | |
| Equity / Assets | 8.67% | 9.10% | 8.61% | 8.59% | 10.62% | 11.65% | 12.14% | 11.72% | +314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.47% | 70.95% | 73.76% | 71.42% | 67.30% | 72.21% | 72.74% | 69.86% | -156 bps | |
| Liquid Assets / Assets | 13.51% | 10.94% | 9.76% | 14.88% | 34.33% | 30.39% | 30.47% | 31.70% | +1,682 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |