Bruce, WI · Cert 13022
FDIC · 5 branches
Q2 2018
Market Position · Eau Claire, WI · 2018 SOD (annual) · 0.4% share · #20 of 23 inst. · $0.0B of $3.1B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.75% | 0.74% | 0.70% | 1.01% | +20 bps | |
| Return on Equity | 7.42% | 6.96% | 6.93% | 6.72% | 9.59% | +218 bps | |
| Net Interest Margin | 3.88% | 3.79% | 3.66% | 3.47% | 3.67% | -21 bps | |
| Efficiency Ratio | 81.09% | 82.15% | 82.37% | 81.85% | 75.37% | -571 bps | |
| Non-Interest Burden | 3.03% | 3.01% | 2.92% | 2.75% | 2.64% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.71% | -4.69% | 0.05% | 3.00% | 6.13% | +1,285 bps | |
| Loan Growth (YoY) | -7.87% | -5.04% | -10.59% | -8.52% | -9.77% | -189 bps | |
| Deposit Growth (YoY) | -7.29% | -5.10% | 0.05% | 3.52% | 6.75% | +1,404 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.73% | 0.80% | 1.31% | 0.52% | -55 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.07% | 0.01% | 0.02% | +3 bps | |
| Allowance / Loans | 1.22% | 1.23% | 1.22% | 1.23% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.7x | 1.5x | 0.9x | 2.5x | +1.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.34% | 10.09% | 9.72% | 9.85% | 10.10% | -23 bps | |
| Total Risk-Based Capital | 15.20% | 15.48% | 15.99% | 16.21% | 17.00% | +180 bps | |
| Equity / Assets | 11.02% | 10.55% | 10.33% | 10.64% | 10.51% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.06% | 81.91% | 76.70% | 77.73% | 72.74% | -1,332 bps | |
| Liquid Assets / Assets | 8.25% | 12.81% | 14.04% | 17.62% | 18.05% | +979 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |