Wabeno, WI · Cert 15158
FDIC · 2 branches
Q1 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.37% | 1.40% | 1.29% | 1.35% | -1 bps | |
| Return on Equity | 11.11% | 11.01% | 11.15% | 10.26% | 10.52% | -58 bps | |
| Net Interest Margin | 3.29% | 3.33% | 3.29% | 3.19% | 3.11% | -19 bps | |
| Efficiency Ratio | 53.86% | 54.82% | 54.36% | 57.55% | 53.00% | -86 bps | |
| Non-Interest Burden | 1.49% | 1.54% | 1.49% | 1.56% | 1.31% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 4.34% | 8.13% | 3.32% | -2.33% | -741 bps | |
| Loan Growth (YoY) | 1.07% | 2.39% | 2.23% | -1.11% | -10.23% | -1,130 bps | |
| Deposit Growth (YoY) | 2.00% | 1.20% | 6.93% | 1.98% | -2.49% | -450 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.12% | 0.04% | 2.05% | 2.51% | +243 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.04% | -0.03% | 0.00% | +1 bps | |
| Allowance / Loans | 1.88% | 1.83% | 1.89% | 2.02% | 2.13% | +25 bps | |
| Allowance Coverage of NPLs | 22.9x | 15.6x | 49.9x | 1.0x | 0.8x | -22.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.21% | 11.36% | 11.22% | 11.04% | 11.34% | +13 bps | |
| Total Risk-Based Capital | 15.97% | 15.99% | 16.07% | 16.52% | 17.39% | +142 bps | |
| Equity / Assets | 12.33% | 12.86% | 12.67% | 12.72% | 12.91% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.45% | 88.37% | 82.60% | 77.52% | 76.83% | -662 bps | |
| Liquid Assets / Assets | 3.19% | 1.79% | 1.91% | 1.93% | 1.73% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |