Osseo, WI · Cert 14629
FDIC · 6 branches
Q3 2018
Market Position · Eau Claire, WI · 2018 SOD (annual) · 3.1% share · #12 of 23 inst. · $0.1B 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.97% | 1.01% | 1.25% | 1.53% | 1.29% | 1.41% | 0.69% | -56 bps | |
| Return on Equity | 10.50% | 9.86% | 9.93% | 11.80% | 14.22% | 12.04% | 13.35% | 6.42% | -539 bps | |
| Net Interest Margin | 3.35% | 3.36% | 3.34% | 3.57% | 3.47% | 3.48% | 3.86% | 3.65% | +7 bps | |
| Efficiency Ratio | 65.59% | 65.90% | 65.12% | 60.77% | 55.14% | 62.81% | 68.36% | 68.69% | +792 bps | |
| Non-Interest Burden | 1.76% | 1.89% | 1.78% | 1.67% | 1.10% | 1.74% | 2.31% | 2.04% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 4.39% | 3.50% | 1.37% | 1.94% | 8.01% | 10.83% | 4.30% | +292 bps | |
| Loan Growth (YoY) | 5.55% | 1.26% | 4.10% | 3.45% | 2.58% | 7.67% | 1.09% | 1.60% | -185 bps | |
| Deposit Growth (YoY) | 6.65% | 6.62% | 3.09% | 0.62% | 0.62% | 7.56% | 10.84% | 3.86% | +325 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.33% | 0.30% | 0.25% | 0.45% | 0.34% | 0.45% | 0.42% | +17 bps | |
| Net Charge-Offs / Loans | 0.30% | -0.02% | 0.07% | 0.10% | 0.05% | 0.00% | 0.01% | 0.02% | -9 bps | |
| Allowance / Loans | 1.07% | 1.09% | 1.07% | 1.04% | 0.99% | 0.97% | 1.02% | 1.01% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 3.3x | 3.5x | 4.2x | 2.2x | 2.9x | 2.2x | 2.4x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.96% | 10.04% | 10.46% | 10.70% | 11.16% | 11.14% | 10.94% | 10.93% | +23 bps | |
| Total Risk-Based Capital | 12.91% | 13.35% | 13.14% | 13.74% | 14.13% | 14.10% | 15.00% | 15.08% | +134 bps | |
| Equity / Assets | 9.60% | 10.06% | 10.37% | 10.73% | 10.84% | 10.54% | 10.51% | 11.03% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.77% | 89.07% | 90.36% | 91.32% | 90.50% | 89.16% | 82.40% | 89.34% | -198 bps | |
| Liquid Assets / Assets | 6.54% | 5.32% | 3.29% | 3.88% | 4.17% | 6.54% | 12.65% | 18.40% | +1,452 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |