Wisconsin Rapids, WI · Cert 34304
FDIC · 3 branches
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.28% | 1.33% | 1.71% | 1.55% | 1.23% | 1.25% | 1.32% | -39 bps | |
| Return on Equity | 9.31% | 8.92% | 9.20% | 11.78% | 10.69% | 8.28% | 8.31% | 8.76% | -302 bps | |
| Net Interest Margin | 3.23% | 3.23% | 3.35% | 3.33% | 3.27% | 3.28% | 3.32% | 3.30% | -3 bps | |
| Efficiency Ratio | 49.48% | 48.11% | 49.02% | 46.60% | 49.92% | 50.11% | 51.33% | 49.12% | +252 bps | |
| Non-Interest Burden | 1.42% | 1.40% | 1.48% | 1.31% | 1.43% | 1.54% | 1.57% | 1.47% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.09% | -0.15% | -0.45% | 2.88% | 3.86% | 8.05% | 4.80% | 6.02% | +314 bps | |
| Loan Growth (YoY) | 9.19% | 8.11% | 5.33% | 2.36% | 4.41% | 4.43% | 2.63% | 5.66% | +330 bps | |
| Deposit Growth (YoY) | 10.11% | 6.47% | -0.79% | 2.29% | 3.35% | 9.74% | 5.15% | 5.42% | +313 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.06% | 0.06% | 0.05% | 0.05% | 0.04% | 0.04% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | -0.03% | 0.00% | 0.03% | 0.02% | +2 bps | |
| Allowance / Loans | 1.87% | 1.88% | 1.93% | 1.57% | 1.54% | 1.55% | 1.61% | 1.57% | 0 bps | |
| Allowance Coverage of NPLs | 27.5x | 29.5x | 31.9x | 28.1x | 30.9x | 34.5x | 37.9x | 42.5x | +14.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.13% | 14.64% | 14.76% | 15.03% | 14.99% | 15.00% | 15.06% | 15.27% | +23 bps | |
| Total Risk-Based Capital | 20.90% | 21.16% | 21.64% | 22.18% | 21.87% | 22.19% | 22.33% | 22.52% | +34 bps | |
| Equity / Assets | 14.07% | 14.73% | 14.46% | 14.77% | 14.56% | 15.17% | 15.33% | 15.33% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.15% | 89.94% | 85.72% | 85.84% | 85.01% | 85.59% | 83.66% | 86.03% | +19 bps | |
| Liquid Assets / Assets | 8.71% | 7.16% | 7.62% | 8.22% | 7.85% | 7.15% | 9.40% | 8.12% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |