Elkhorn, WI · Cert 35367
FDIC · 4 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 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.
Elkhorn, WI · Cert 35367
FDIC · 4 branches
Q2 2017
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.0% share · #172 of 196 inst. · $0.0B 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.76% | 0.52% | 1.03% | 0.85% | 0.87% | 0.61% | 0.64% | -39 bps | |
| Return on Equity | 7.31% | 7.35% | 4.95% | 9.78% | 8.04% | 8.20% | 5.59% | 6.05% | -373 bps | |
| Net Interest Margin | 3.46% | 3.33% | 3.11% | 3.13% | 3.04% | 2.99% | 2.96% | 3.14% | +1 bps | |
| Efficiency Ratio | 69.08% | 68.39% | 76.31% | 77.18% | 77.26% | 73.42% | 72.48% | 71.94% | -524 bps | |
| Non-Interest Burden | 2.17% | 2.06% | 2.25% | 2.30% | 2.23% | 2.02% | 1.97% | 2.07% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.34% | 7.15% | 4.90% | 6.73% | 6.15% | 3.45% | 2.08% | -1.63% | -837 bps | |
| Loan Growth (YoY) | -6.23% | -9.41% | -7.43% | -4.43% | -0.64% | -0.43% | -4.82% | -9.80% | -537 bps | |
| Deposit Growth (YoY) | 6.43% | 7.57% | 4.54% | 6.31% | 6.21% | 4.20% | 2.49% | 0.88% | -543 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.17% | 1.20% | +120 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | -0.19% | -0.09% | -0.04% | 0.00% | 0.00% | 0.00% | +9 bps | |
| Allowance / Loans | 2.12% | 2.13% | 2.21% | 1.63% | 1.58% | 1.56% | 1.64% | 1.75% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.4x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.49% | 10.43% | 10.89% | 10.70% | 10.79% | 10.93% | 9.66% | -124 bps | |
| Total Risk-Based Capital | 16.15% | 16.30% | 16.64% | 17.21% | 16.90% | 16.99% | 17.90% | 15.84% | -137 bps | |
| Equity / Assets | 10.49% | 10.23% | 10.57% | 10.68% | 10.69% | 10.72% | 11.21% | 9.68% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.93% | 85.87% | 87.74% | 84.91% | 85.07% | 82.05% | 81.48% | 75.92% | -899 bps | |
| Liquid Assets / Assets | 15.22% | 20.02% | 19.45% | 21.81% | 19.63% | 21.10% | 24.27% | 23.34% | +153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |