Evansville, WI · Cert 15177
FDIC · 5 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Evansville, WI · Cert 15177
FDIC · 5 branches
Q1 2019
Market Position · Madison, WI · 2018 SOD (annual) · 0.6% share · #30 of 51 inst. · $0.1B of $22.3B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.82% | 0.87% | 0.43% | 0.48% | 0.57% | 0.81% | 0.49% | +6 bps | |
| Return on Equity | 7.22% | 8.58% | 9.10% | 4.51% | 5.12% | 6.17% | 8.79% | 5.46% | +95 bps | |
| Net Interest Margin | 3.48% | 3.48% | 3.45% | 3.34% | 3.31% | 3.23% | 3.21% | 3.17% | -17 bps | |
| Efficiency Ratio | 79.50% | 78.10% | 77.74% | 85.65% | 83.11% | 80.33% | 75.07% | 83.97% | -168 bps | |
| Non-Interest Burden | 2.59% | 2.50% | 2.44% | 2.69% | 2.57% | 2.40% | 2.11% | 2.51% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -0.73% | 2.67% | 4.23% | 8.60% | 10.88% | 12.48% | 12.79% | +856 bps | |
| Loan Growth (YoY) | 0.33% | 0.12% | 4.22% | 11.51% | 15.96% | 21.46% | 25.59% | 15.96% | +445 bps | |
| Deposit Growth (YoY) | 1.35% | -0.33% | 1.43% | 4.48% | 12.05% | 8.36% | 5.50% | 14.72% | +1,024 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.01% | 0.01% | 0.15% | 0.13% | 0.11% | 0.15% | 0.59% | +44 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.07% | -0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.01% | 1.00% | 1.00% | 0.98% | 0.96% | 0.99% | -1 bps | |
| Allowance Coverage of NPLs | 2.4x | 171.1x | 173.5x | 6.6x | 7.5x | 8.6x | 6.2x | 1.7x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 9.26% | 9.43% | 9.09% | 8.89% | 8.63% | 8.79% | 8.65% | -44 bps | |
| Total Risk-Based Capital | 12.70% | 12.96% | 13.08% | 12.19% | 11.66% | 11.29% | 11.27% | 11.19% | -100 bps | |
| Equity / Assets | 9.58% | 9.72% | 9.62% | 9.52% | 9.07% | 8.90% | 8.93% | 8.98% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.29% | 86.24% | 81.57% | 89.78% | 89.29% | 96.67% | 97.11% | 90.74% | +96 bps | |
| Liquid Assets / Assets | 0.14% | 0.14% | 1.49% | 0.12% | 0.11% | 0.12% | 0.12% | 0.18% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |