Menasha, WI · Cert 5307
FDIC · 5 branches
Q1 2017
Market Position · Oshkosh-Neenah, WI · 2016 SOD (annual) · 14.8% share · #2 of 19 inst. · $0.3B of $2.3B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.91% | 0.92% | 0.73% | 0.79% | 0.79% | 0.82% | 0.65% | -8 bps | |
| Return on Equity | 8.19% | 7.89% | 7.90% | 6.25% | 6.79% | 6.91% | 7.10% | 5.62% | -63 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.51% | 3.42% | 3.40% | 3.31% | 3.36% | 3.10% | -32 bps | |
| Efficiency Ratio | 63.13% | 63.59% | 63.47% | 68.11% | 66.15% | 65.88% | 65.90% | 70.63% | +252 bps | |
| Non-Interest Burden | 1.96% | 2.03% | 2.05% | 2.23% | 2.12% | 2.04% | 2.04% | 2.09% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.73% | 15.94% | 9.60% | 0.57% | 8.27% | 11.03% | 1.01% | 3.23% | +266 bps | |
| Loan Growth (YoY) | 14.04% | 11.00% | 8.69% | 6.85% | 8.52% | 7.98% | 0.97% | -0.54% | -739 bps | |
| Deposit Growth (YoY) | 11.89% | 14.45% | 6.21% | -0.57% | 10.26% | 13.80% | 3.96% | 8.60% | +917 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.22% | +122 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.05% | 0.05% | -0.01% | -0.03% | -0.02% | -0.03% | 0.00% | +2 bps | |
| Allowance / Loans | 1.07% | 1.04% | 1.00% | 1.02% | 1.02% | 1.05% | 1.10% | 1.11% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.9x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.13% | 12.46% | 12.57% | 11.33% | 11.39% | 11.12% | 11.43% | 11.43% | +10 bps | |
| Total Risk-Based Capital | 16.57% | 16.47% | 16.11% | 15.18% | 14.92% | 14.89% | 15.70% | 15.48% | +30 bps | |
| Equity / Assets | 12.37% | 12.48% | 11.86% | 11.62% | 11.39% | 11.14% | 11.45% | 11.73% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.60% | 101.87% | 97.73% | 102.33% | 100.00% | 96.66% | 94.92% | 93.71% | -862 bps | |
| Liquid Assets / Assets | 2.20% | 1.83% | 2.64% | 1.59% | 3.00% | 3.20% | 3.78% | 2.47% | +87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |