PackageTrendsPeer
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First National Bank of Eagle River, The

Eagle River, WI · Cert 5343

FDIC · 4 branches

Q1 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: Q1 2016, the quarter ended March 31, 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 Eagle River, The

Eagle River, WI · Cert 5343

FDIC · 4 branches

Q1 2016

$127.8MAssets
$84.6MLoans
$99.7MDeposits
$13.0MEquity
Loan mix
97%RE $75.1M2%C&I $1.5M1%Consumer $1.0MQ1 2015Q1 2016
Deposit mix
80%Interest-bearing $80.1M20%Noninterest $19.7MQ1 2015Q1 2016

NIM

3.20%Q1 ’143.45%Q1 ’153.13%Q1 ’16+10%-11%

Non-interest income vs. expense

3.10%Q1 ’143.09%Q1 ’153.14%Q1 ’16+4%+6%

Executive Summary

  • Earnings: ROA of -0.09%, down 67 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Capital: tier 1 leverage ratio of 8.97%, down 4 bps from a year ago.
  • Funding: loans stand at 84.78% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.09%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-32 bps YoY

Efficiency Ratio (YTD, annualized)

99.16%+1,340 bps YoY

Tier 1 Leverage Ratio

8.97%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.58%0.54%0.43%0.28%-0.09%-67 bps
Return on Equity6.42%5.98%4.72%3.04%-0.93%-736 bps
Net Interest Margin3.00%2.86%2.72%2.76%2.68%-32 bps
Efficiency Ratio85.76%85.14%87.30%89.42%99.16%+1,340 bps
Non-Interest Burden2.49%2.33%2.29%2.41%2.64%+15 bps
Growth
Asset Growth (YoY)-0.87%-0.34%0.34%-1.76%-7.71%-684 bps
Loan Growth (YoY)-1.43%-1.93%-0.95%3.75%-1.08%+35 bps
Deposit Growth (YoY)3.71%1.85%-0.48%1.78%0.53%-317 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.10%0.04%0.35%0.71%+73 bps
Allowance / Loans0.97%0.95%1.00%0.75%0.72%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.01%8.86%8.73%8.82%8.97%-4 bps
Total Risk-Based Capital14.31%15.53%15.25%14.74%15.31%+100 bps
Equity / Assets9.40%8.93%9.41%8.91%10.15%+75 bps
Liquidity & Funding
Loans / Deposits86.17%85.48%86.86%85.27%84.78%-139 bps
Liquid Assets / Assets1.40%1.70%1.73%1.70%1.73%+33 bps
CRE / Total Capitaln/an/an/an/an/an/an/a