Menomonie, WI · Cert 15241
FDIC · 12 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Menomonie, WI · Cert 15241
FDIC · 12 branches
Q3 2014
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2014 SOD (annual) · 0.0% share · #119 of 159 inst. · $0.0B of $212.7B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.71% | 0.65% | 0.74% | 0.65% | 0.70% | 0.73% | 0.84% | +10 bps | |
| Return on Equity | 11.68% | 8.64% | 8.00% | 9.15% | 7.82% | 7.79% | 7.99% | 9.02% | -14 bps | |
| Net Interest Margin | 3.31% | 2.97% | 3.13% | 3.00% | 3.13% | 3.18% | 3.30% | 3.36% | +35 bps | |
| Efficiency Ratio | 68.68% | 78.03% | 78.05% | 76.92% | 78.11% | 75.40% | 73.38% | 71.15% | -577 bps | |
| Non-Interest Burden | 2.01% | 2.15% | 2.26% | 2.14% | 2.28% | 2.24% | 2.24% | 2.18% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 4.45% | 8.02% | 4.57% | 4.09% | 12.92% | 6.03% | 2.10% | -246 bps | |
| Loan Growth (YoY) | 7.38% | 7.10% | 10.82% | 12.89% | 15.39% | 13.85% | 14.58% | 13.87% | +98 bps | |
| Deposit Growth (YoY) | 10.35% | 8.32% | 9.63% | 9.56% | 4.72% | 9.56% | 0.26% | -5.36% | -1,492 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.08% | 0.13% | 0.14% | 0.18% | 0.03% | 0.02% | 0.06% | -9 bps | |
| Allowance / Loans | 1.42% | 1.37% | 1.32% | 1.31% | 1.33% | 1.43% | 1.44% | 1.41% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.77% | 12.59% | 12.08% | 11.07% | 12.55% | 12.83% | 12.41% | 12.45% | +138 bps | |
| Equity / Assets | 8.23% | 8.17% | 8.13% | 7.94% | 9.24% | 8.73% | 9.60% | 9.81% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.36% | 83.30% | 87.04% | 82.97% | 87.45% | 86.56% | 99.47% | 99.82% | +1,685 bps | |
| Liquid Assets / Assets | 14.36% | 15.60% | 12.59% | 9.37% | 5.19% | 10.89% | 4.77% | 4.43% | -494 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |