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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.92% | 0.88% | 0.73% | 0.65% | 0.71% | 0.70% | 1.32% | +59 bps | |
| Return on Equity | 5.33% | 8.94% | 8.22% | 6.58% | 6.04% | 6.81% | 6.72% | 12.44% | +586 bps | |
| Net Interest Margin | 3.82% | 3.84% | 3.74% | 3.83% | 3.80% | 3.63% | 3.47% | 3.83% | 0 bps | |
| Efficiency Ratio | 86.67% | 77.05% | 79.33% | 82.92% | 84.31% | 83.05% | 81.85% | 69.50% | -1,341 bps | |
| Non-Interest Burden | 3.24% | 2.73% | 2.84% | 3.07% | 3.12% | 2.90% | 2.75% | 2.50% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -4.79% | -8.30% | -6.71% | -4.69% | 0.05% | 3.00% | 6.13% | +1,285 bps | |
| Loan Growth (YoY) | -3.95% | -2.44% | -7.90% | -7.87% | -5.04% | -10.59% | -8.52% | -9.77% | -189 bps | |
| Deposit Growth (YoY) | -1.56% | -5.25% | -7.39% | -7.29% | -5.10% | 0.05% | 3.52% | 6.75% | +1,404 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.12% | 1.06% | 0.73% | 0.80% | 1.31% | 0.52% | -55 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.34% | 0.00% | -0.01% | 0.00% | 0.29% | 0.01% | 0.03% | +4 bps | |
| Allowance / Loans | 1.20% | 1.15% | 1.19% | 1.22% | 1.23% | 1.22% | 1.23% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.1x | 1.2x | 1.7x | 1.5x | 0.9x | 2.5x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.42% | 9.61% | 9.99% | 10.34% | 10.09% | 9.72% | 9.85% | 10.10% | -23 bps | |
| Total Risk-Based Capital | 13.98% | 14.28% | 15.05% | 15.20% | 15.48% | 15.99% | 16.21% | 17.00% | +180 bps | |
| Equity / Assets | 10.18% | 10.35% | 11.09% | 11.02% | 10.55% | 10.33% | 10.64% | 10.51% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.86% | 85.82% | 87.96% | 86.06% | 81.91% | 76.70% | 77.73% | 72.74% | -1,332 bps | |
| Liquid Assets / Assets | 11.54% | 8.47% | 6.46% | 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 | n/a | n/a | n/a |