Markesan, WI · Cert 1517
FDIC · 4 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Markesan, WI · Cert 1517
FDIC · 4 branches
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.72% | -2.02% | -1.71% | -1.68% | 0.17% | -0.51% | -0.37% | +134 bps | |
| Return on Equity | -1.53% | -8.84% | -24.53% | -20.75% | -20.46% | 1.99% | -6.00% | -4.81% | +1,594 bps | |
| Net Interest Margin | 3.06% | 2.85% | 2.99% | 3.07% | 3.18% | 4.13% | 4.11% | 1.20% | -187 bps | |
| Efficiency Ratio | 93.13% | 98.06% | 123.66% | 113.67% | 112.23% | 79.94% | 82.94% | 88.34% | -2,533 bps | |
| Non-Interest Burden | 2.81% | 2.76% | 3.81% | 3.53% | 3.59% | 3.19% | 3.36% | 1.05% | -248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.99% | -11.18% | -13.10% | -16.83% | -15.43% | -12.88% | -12.44% | -13.32% | +351 bps | |
| Loan Growth (YoY) | -13.70% | -19.20% | -19.60% | -17.82% | -20.23% | -15.88% | -17.87% | -25.11% | -729 bps | |
| Deposit Growth (YoY) | -3.32% | -9.73% | -11.29% | -14.73% | -15.95% | -13.29% | -13.00% | -10.20% | +453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 27.47% | 29.04% | 31.76% | 31.05% | 28.04% | 27.90% | 23.72% | 24.20% | -685 bps | |
| Net Charge-Offs / Loans | 2.92% | -0.01% | -0.02% | 0.00% | 2.33% | 6.24% | 4.86% | -0.02% | -2 bps | |
| Allowance / Loans | 3.45% | 4.04% | 4.78% | 5.29% | 3.93% | 2.74% | 2.85% | 0.65% | -464 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.2x | 0.2x | 0.1x | 0.1x | 0.1x | 0.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.33% | 7.78% | 7.62% | 7.40% | 7.32% | 7.80% | 7.88% | 4.30% | -310 bps | |
| Total Risk-Based Capital | 9.94% | 10.65% | 10.20% | 10.10% | 10.33% | 10.96% | 11.73% | 6.87% | -323 bps | |
| Equity / Assets | 7.83% | 8.57% | 8.30% | 8.36% | 8.15% | 8.70% | 8.76% | 5.16% | -320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.53% | 81.48% | 81.35% | 84.61% | 77.38% | 79.04% | 76.80% | 70.57% | -1,405 bps | |
| Liquid Assets / Assets | 3.78% | 4.36% | 2.83% | 4.69% | 4.64% | 4.27% | 7.51% | 3.01% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |