Kenosha, WI · Cert 34289
FDIC · 3 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Kenosha, WI · Cert 34289
FDIC · 3 branches
Q4 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.1% share · #97 of 196 inst. · $0.2B of $395.0B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.10% | 1.20% | 1.40% | 1.41% | 1.35% | 1.30% | 1.08% | -32 bps | |
| Return on Equity | 12.66% | 11.22% | 12.07% | 13.84% | 12.85% | 12.36% | 11.94% | 9.95% | -389 bps | |
| Net Interest Margin | 3.53% | 3.52% | 3.57% | 3.57% | 3.77% | 3.70% | 3.57% | 3.58% | 0 bps | |
| Efficiency Ratio | 65.23% | 67.58% | 58.25% | 59.43% | 56.20% | 56.15% | 59.94% | 57.16% | -227 bps | |
| Non-Interest Burden | 2.10% | 2.20% | 1.86% | 1.96% | 1.74% | 1.77% | 1.90% | 1.81% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | 7.16% | 3.39% | 1.57% | 0.39% | 2.67% | 8.96% | 4.94% | +337 bps | |
| Loan Growth (YoY) | 11.38% | 8.92% | 13.16% | 8.36% | 6.96% | 9.74% | 4.70% | 3.52% | -484 bps | |
| Deposit Growth (YoY) | 2.91% | 7.93% | 4.23% | 2.58% | -0.31% | 0.29% | 6.78% | 5.52% | +294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.76% | 0.64% | 0.39% | 0.95% | +95 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.14% | -0.08% | -0.12% | -0.14% | -0.13% | -0.12% | 0.21% | +33 bps | |
| Allowance / Loans | 2.13% | 2.11% | 2.01% | 1.94% | 1.82% | 1.75% | 1.58% | 1.27% | -67 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.4x | 2.7x | 4.0x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 9.23% | 9.74% | 10.22% | 10.88% | 10.85% | 10.82% | 10.58% | +36 bps | |
| Total Risk-Based Capital | 11.73% | 12.15% | 12.04% | 12.92% | 13.10% | 13.10% | 13.72% | 13.64% | +72 bps | |
| Equity / Assets | 9.88% | 9.85% | 10.39% | 10.73% | 11.14% | 10.85% | 10.71% | 10.77% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.73% | 96.99% | 103.49% | 102.12% | 107.01% | 106.13% | 101.47% | 100.19% | -194 bps | |
| Liquid Assets / Assets | 6.32% | 7.97% | 1.23% | 4.30% | 2.81% | 3.30% | 8.25% | 4.46% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |