Fond Du Lac, WI · Cert 19838
FDIC · 6 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Fond Du Lac, WI · Cert 19838
FDIC · 6 branches
Q2 2016
Market Position · Fond du Lac, WI · 2016 SOD (annual) · 7.7% share · #4 of 16 inst. · $0.2B of $2.1B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.90% | 0.92% | 1.04% | 1.04% | 1.08% | 1.02% | 1.04% | 0 bps | |
| Return on Equity | 5.79% | 5.79% | 7.89% | 8.78% | 8.82% | 9.23% | 8.57% | 8.48% | -30 bps | |
| Net Interest Margin | 2.92% | 2.37% | 4.95% | 4.45% | 4.41% | 4.05% | 3.40% | 3.58% | -87 bps | |
| Efficiency Ratio | 56.54% | 61.59% | 45.64% | 47.19% | 47.18% | 46.64% | 51.54% | 52.76% | +557 bps | |
| Non-Interest Burden | 1.40% | 1.35% | 2.08% | 1.89% | 1.89% | 1.71% | 1.62% | 1.70% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 70.59% | 33.13% | 62.85% | 63.72% | 9.74% | 4.93% | 4.22% | -5,862 bps | |
| Loan Growth (YoY) | 8.49% | 128.73% | 134.76% | 139.98% | 127.96% | 5.60% | 1.20% | -1.17% | -14,114 bps | |
| Deposit Growth (YoY) | 7.82% | 84.71% | 39.19% | 75.75% | 81.27% | 11.82% | 4.98% | 4.43% | -7,132 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 | -0.88% | -0.23% | -0.01% | -0.02% | -0.02% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 3.75% | 1.76% | 2.24% | 2.37% | 2.61% | 2.65% | 2.84% | 2.90% | +54 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 | 10.88% | 10.96% | 11.19% | 10.93% | 11.02% | 11.96% | +100 bps | |
| Total Risk-Based Capital | 30.99% | 13.88% | 14.59% | 14.66% | 14.89% | 14.94% | 16.06% | 16.33% | +167 bps | |
| Equity / Assets | 18.05% | 11.29% | 11.97% | 12.17% | 11.93% | 11.28% | 12.51% | 12.89% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.22% | 86.46% | 91.07% | 91.56% | 88.31% | 81.65% | 87.78% | 86.65% | -491 bps | |
| Liquid Assets / Assets | 0.05% | 0.51% | 1.56% | 1.50% | 5.56% | 12.82% | 10.00% | 9.82% | +831 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |