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Necedah Bank, The

Necedah, WI · Cert 15188

FDIC · 1 branch

Q2 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Necedah Bank, The

Necedah, WI · Cert 15188

FDIC · 1 branch

Q2 2018

$32.5MAssets
$26.0MLoans
$26.4MDeposits
$3.8MEquity
Loan mix
87%RE $13.5M11%C&I $1.8M1%Consumer $0.2MQ2 2017Q2 2018
Deposit mix
75%Interest-bearing $19.8M25%Noninterest $6.7MQ2 2017Q2 2018

NIM

3.26%Q2 ’163.77%Q2 ’173.83%Q2 ’18+17%-2%

Non-interest income vs. expense

2.42%Q2 ’162.66%Q2 ’172.40%Q2 ’18+12%-11%

Executive Summary

  • Earnings: ROA of 0.95%, up 37 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 1.13% of loans (+12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.27%, down 62 bps from a year ago.
  • Funding: loans stand at 98.55% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.95%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.24%-8 bps YoY

Efficiency Ratio (YTD, annualized)

67.45%-586 bps YoY

Tier 1 Leverage Ratio

11.27%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.58%0.65%0.49%0.77%0.95%+37 bps
Return on Equity4.95%5.46%4.22%7.13%8.58%+363 bps
Net Interest Margin3.31%3.28%3.32%3.21%3.24%-8 bps
Efficiency Ratio73.31%70.84%72.99%71.62%67.45%-586 bps
Non-Interest Burden2.35%2.23%2.33%2.20%2.08%-27 bps
Growth
Asset Growth (YoY)2.89%-3.19%0.11%-3.90%-7.89%-1,078 bps
Loan Growth (YoY)11.82%8.19%1.42%-5.08%-8.65%-2,048 bps
Deposit Growth (YoY)3.86%-3.72%1.55%-3.36%-8.59%-1,245 bps
Asset Quality
Nonperforming Loans / Loans1.01%1.18%1.09%1.21%1.13%+12 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans0.97%1.03%1.08%1.13%1.11%+15 bps
Allowance Coverage of NPLs1.0x0.9x1.0x0.9x1.0x0.0x
Capital
Tier 1 Leverage Ratio11.89%11.89%10.54%11.13%11.27%-62 bps
Total Risk-Based Capital15.31%15.92%15.12%15.66%16.33%+102 bps
Equity / Assets11.65%12.09%10.76%10.89%11.56%-8 bps
Liquidity & Funding
Loans / Deposits98.62%100.68%96.23%92.16%98.55%-7 bps
Liquid Assets / Assets3.58%4.35%4.05%11.00%6.92%+333 bps
CRE / Total Capitaln/an/an/an/an/an/an/a