McFarland, WI · Cert 2476
FDIC · 5 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
McFarland, WI · Cert 2476
FDIC · 5 branches
Q1 2020
Market Position · Madison, WI · 2019 SOD (annual) · 2.0% share · #13 of 49 inst. · $0.4B of $21.2B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.42% | 1.15% | 1.19% | 1.27% | 1.49% | 1.48% | 0.30% | -89 bps | |
| Return on Equity | 13.32% | 13.62% | 10.98% | 11.06% | 11.73% | 13.45% | 13.21% | 2.36% | -869 bps | |
| Net Interest Margin | 3.48% | 3.45% | 3.44% | 3.35% | 3.45% | 3.52% | 3.50% | 0.65% | -270 bps | |
| Efficiency Ratio | 64.84% | 64.19% | 69.81% | 68.90% | 67.88% | 67.91% | 67.32% | 42.34% | -2,656 bps | |
| Non-Interest Burden | 2.07% | 2.03% | 2.30% | 2.18% | 2.18% | 2.27% | 2.19% | 0.18% | -199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 7.64% | 1.86% | 4.55% | 5.23% | 0.96% | 7.16% | 13.53% | +899 bps | |
| Loan Growth (YoY) | -0.81% | -0.09% | -1.51% | 4.47% | 7.28% | 2.54% | 6.00% | 9.59% | +512 bps | |
| Deposit Growth (YoY) | 3.84% | 3.87% | 2.05% | 13.61% | 15.00% | 9.67% | 15.10% | 7.24% | -637 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.08% | 0.08% | 0.00% | 0.02% | 0.02% | 0.02% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.47% | 1.46% | 1.43% | 1.40% | 1.44% | 1.38% | 0.01% | -142 bps | |
| Allowance Coverage of NPLs | 7.7x | 18.6x | 19.0x | n/a | 74.0x | 75.0x | 77.7x | 0.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.72% | 10.86% | 10.83% | 10.96% | 11.13% | 11.52% | 11.90% | 8.66% | -230 bps | |
| Total Risk-Based Capital | 15.01% | 15.03% | 13.78% | 13.87% | 13.93% | 14.92% | 14.85% | 9.29% | -457 bps | |
| Equity / Assets | 10.37% | 10.43% | 10.76% | 10.71% | 11.00% | 11.81% | 11.57% | 13.39% | +268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.24% | 111.45% | 112.88% | 101.59% | 100.97% | 104.20% | 103.95% | 103.83% | +223 bps | |
| Liquid Assets / Assets | 0.78% | 0.82% | 0.59% | 0.55% | 0.71% | 1.25% | 0.72% | 0.26% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |