Necedah, WI · Cert 15188
FDIC · 1 branch
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.68% | 0.50% | 0.66% | 0.77% | 0.01%1 | 0.77% | 1.12% | +46 bps | |
| Return on Equity | 5.23% | 5.71% | 4.23% | 5.65% | 6.47% | 0.10% | 7.13% | 10.02% | +436 bps | |
| Net Interest Margin | 3.16% | 3.23% | 3.26% | 3.41% | 3.33% | 3.28% | 3.21% | 3.30% | -11 bps | |
| Efficiency Ratio | 75.57% | 72.76% | 74.26% | 72.41% | 66.16% | 79.61% | 71.62% | 63.33% | -908 bps | |
| Non-Interest Burden | 2.30% | 2.26% | 2.34% | 2.39% | 2.06% | 2.55% | 2.20% | 1.99% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.40% | 2.02% | 0.05% | 2.89% | -3.19% | 0.11% | -3.90% | -7.89% | -1,078 bps | |
| Loan Growth (YoY) | 10.88% | 10.56% | 16.25% | 11.82% | 8.19% | 1.42% | -5.08% | -8.65% | -2,048 bps | |
| Deposit Growth (YoY) | 6.44% | 3.07% | 0.00% | 3.86% | -3.72% | 1.55% | -3.36% | -8.59% | -1,245 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.13% | 1.01% | 1.18% | 1.09% | 1.21% | 1.13% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.96% | 0.97% | 1.03% | 1.08% | 1.13% | 1.11% | +15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.8x | 1.0x | 0.9x | 1.0x | 0.9x | 1.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.90% | 11.98% | 12.05% | 11.89% | 11.89% | 10.54% | 11.13% | 11.27% | -62 bps | |
| Total Risk-Based Capital | 14.31% | 13.83% | 13.27% | 15.31% | 15.92% | 15.12% | 15.66% | 16.33% | +102 bps | |
| Equity / Assets | 11.86% | 12.01% | 11.68% | 11.65% | 12.09% | 10.76% | 10.89% | 11.56% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.59% | 96.35% | 93.84% | 98.62% | 100.68% | 96.23% | 92.16% | 98.55% | -7 bps | |
| Liquid Assets / Assets | 9.81% | 5.84% | 8.20% | 3.58% | 4.35% | 4.05% | 11.00% | 6.92% | +333 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |