Waupaca, WI · Cert 15149
FDIC · 9 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Waupaca, WI · Cert 15149
FDIC · 9 branches
Q3 2017
Market Position · Appleton, WI · 2017 SOD (annual) · 1.0% share · #17 of 31 inst. · $0.0B of $4.1B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.69% | 0.39% | -0.75% | -1.27% | 0.70% | 0.69% | 0.85% | +160 bps | |
| Return on Equity | 2.67% | 4.65% | 2.61% | -4.97% | -8.41% | 4.67% | 4.48% | 5.33% | +1,030 bps | |
| Net Interest Margin | 4.52% | 3.76% | 3.98% | 4.00% | 4.08% | 3.84% | 3.95% | 4.17% | +17 bps | |
| Efficiency Ratio | 62.66% | 84.98% | 82.25% | 85.37% | 82.06% | 82.77% | 84.00% | 80.68% | -468 bps | |
| Non-Interest Burden | 3.45% | 3.17% | 3.24% | 3.39% | 3.30% | 3.14% | 3.28% | 3.31% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -31.33% | -17.04% | -15.10% | -12.06% | -11.56% | -9.94% | -13.60% | -12.86% | -80 bps | |
| Loan Growth (YoY) | -30.83% | -12.32% | -8.88% | -7.77% | -9.09% | -12.27% | -12.13% | -13.15% | -538 bps | |
| Deposit Growth (YoY) | -35.76% | -12.47% | -12.16% | -11.79% | -10.25% | -10.10% | -14.48% | -14.79% | -299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 6.78% | 5.19% | 5.27% | +527 bps | |
| Net Charge-Offs / Loans | 1.15% | 0.20% | 0.15% | 1.06% | 2.64% | -0.55% | -0.22% | 0.14% | -92 bps | |
| Allowance / Loans | 4.28% | 4.27% | 4.58% | 5.11% | 4.76% | 5.12% | 5.19% | 5.19% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.8x | 1.0x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.16% | 14.74% | 15.27% | 14.94% | 14.70% | 15.40% | 16.15% | 17.03% | +209 bps | |
| Total Risk-Based Capital | 18.46% | 19.09% | 19.65% | 19.65% | 19.47% | 20.50% | 21.40% | 22.48% | +283 bps | |
| Equity / Assets | 14.51% | 15.10% | 15.64% | 15.47% | 14.87% | 15.26% | 16.49% | 17.38% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.97% | 95.60% | 96.19% | 97.44% | 96.20% | 93.29% | 98.84% | 99.31% | +187 bps | |
| Liquid Assets / Assets | 4.41% | 4.80% | 4.91% | 5.18% | 4.69% | 4.70% | 2.70% | 2.61% | -257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |