PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Niagara, The

Niagara, WI · Cert 5313

FDIC · 4 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Niagara, The

Niagara, WI · Cert 5313

FDIC · 4 branches

Q2 2016

$68.4MAssets
$33.1MLoans
$59.6MDeposits
$7.6MEquity
Loan mix
72%RE $23.8M13%C&I $4.1M15%Consumer $5.0MQ2 2015Q2 2016
Deposit mix
91%Interest-bearing $54.2M9%Noninterest $5.4MQ2 2015Q2 2016

NIM

3.79%Q2 ’143.96%Q2 ’153.97%Q2 ’16+9%+3%

Non-interest income vs. expense

3.33%Q2 ’143.19%Q2 ’153.17%Q2 ’16-7%+0%

Executive Summary

  • Earnings: ROA of 0.44%, down 6 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 10.45%, down 1 bps from a year ago.
  • Funding: loans stand at 55.55% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

0.44%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+10 bps YoY

Efficiency Ratio (YTD, annualized)

82.82%-212 bps YoY

Tier 1 Leverage Ratio

10.45%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.50%0.42%0.41%0.38%0.44%-6 bps
Return on Equity4.67%3.91%3.84%3.53%4.07%-60 bps
Net Interest Margin3.26%3.22%3.20%3.17%3.36%+10 bps
Efficiency Ratio84.95%88.50%88.59%83.10%82.82%-212 bps
Non-Interest Burden2.69%2.79%2.77%2.54%2.69%+1 bps
Growth
Asset Growth (YoY)1.75%5.91%3.70%1.90%1.10%-66 bps
Loan Growth (YoY)12.38%10.40%2.85%-0.80%-5.62%-1,800 bps
Deposit Growth (YoY)1.65%6.72%4.20%3.67%2.36%+71 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.08%0.06%0.71%0.42%+35 bps
Allowance / Loans1.04%1.01%1.02%1.01%1.11%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.46%10.33%10.25%10.10%10.45%-1 bps
Total Risk-Based Capital20.44%20.33%20.15%20.75%21.49%+105 bps
Equity / Assets10.68%10.60%10.46%10.83%11.06%+38 bps
Liquidity & Funding
Loans / Deposits60.25%59.11%59.40%57.71%55.55%-470 bps
Liquid Assets / Assets8.16%9.90%11.23%9.87%10.39%+223 bps
CRE / Total Capitaln/an/an/an/an/an/an/a