Blair, WI · Cert 13580
FDIC · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Blair, WI · Cert 13580
FDIC · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.11% | 0.78% | 0.96% | 1.02% | 1.13% | 1.15% | 1.36% | +40 bps | |
| Return on Equity | 7.90% | 8.19% | 5.48% | 6.69% | 7.07% | 7.66% | 7.28% | 8.71% | +201 bps | |
| Net Interest Margin | 3.50% | 3.50% | 3.38% | 3.38% | 3.37% | 3.58% | 4.00% | 3.29% | -9 bps | |
| Efficiency Ratio | 50.98% | 51.94% | 48.95% | 51.00% | 48.59% | 48.73% | 51.10% | 47.18% | -382 bps | |
| Non-Interest Burden | 1.64% | 1.61% | 1.46% | 1.57% | 1.51% | 1.61% | 1.88% | 1.26% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.30% | -3.41% | 0.86% | -0.91% | 2.18% | -2.67% | -1.96% | 5.91% | +683 bps | |
| Loan Growth (YoY) | 1.47% | 0.29% | 1.77% | -0.18% | -4.82% | -0.42% | -1.24% | 7.25% | +743 bps | |
| Deposit Growth (YoY) | -2.53% | -5.52% | -3.91% | -6.31% | -2.88% | -0.22% | 0.54% | 7.22% | +1,353 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.17% | 3.25% | 3.64% | 3.45% | 4.11% | 2.58% | 2.53% | 1.66% | -179 bps | |
| Net Charge-Offs / Loans | 0.53% | 0.41% | 0.40% | 0.21% | 0.37% | 0.49% | 0.03% | 0.03% | -19 bps | |
| Allowance / Loans | 1.22% | 1.24% | 1.47% | 1.67% | 1.64% | 1.44% | 1.54% | 1.45% | -22 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.5x | 0.4x | 0.6x | 0.6x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.97% | 13.35% | 13.58% | 13.96% | 14.16% | 14.83% | 17.37% | 15.08% | +112 bps | |
| Total Risk-Based Capital | 18.42% | 19.11% | 19.67% | 17.53% | 17.81% | 20.47% | 21.06% | 20.70% | +317 bps | |
| Equity / Assets | 13.71% | 14.00% | 14.38% | 14.66% | 14.78% | 15.68% | 15.97% | 15.23% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.48% | 100.53% | 100.12% | 100.65% | 97.49% | 100.33% | 98.34% | 100.67% | +2 bps | |
| Liquid Assets / Assets | 4.16% | 6.89% | 7.36% | 9.92% | 11.65% | 4.94% | 6.55% | 8.18% | -173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |