Eagle River, WI · Cert 5343
FDIC · 4 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Eagle River, WI · Cert 5343
FDIC · 4 branches
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.27% | 0.22% | 0.58% | 0.54% | 0.43% | 0.28% | -0.09% | -67 bps | |
| Return on Equity | 4.31% | 3.15% | 2.57% | 6.42% | 5.98% | 4.72% | 3.04% | -0.93% | -736 bps | |
| Net Interest Margin | 2.74% | 2.69% | 2.74% | 3.00% | 2.86% | 2.72% | 2.76% | 2.68% | -32 bps | |
| Efficiency Ratio | 90.72% | 92.30% | 93.52% | 85.76% | 85.14% | 87.30% | 89.42% | 99.16% | +1,340 bps | |
| Non-Interest Burden | 2.42% | 2.43% | 2.52% | 2.49% | 2.33% | 2.29% | 2.41% | 2.64% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -3.00% | -0.12% | -0.87% | -0.34% | 0.34% | -1.76% | -7.71% | -684 bps | |
| Loan Growth (YoY) | -1.28% | -3.55% | -2.02% | -1.43% | -1.93% | -0.95% | 3.75% | -1.08% | +35 bps | |
| Deposit Growth (YoY) | 1.42% | 0.27% | 2.47% | 3.71% | 1.85% | -0.48% | 1.78% | 0.53% | -317 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.31% | 0.31% | -0.02% | 0.10% | 0.04% | 0.35% | 0.71% | +73 bps | |
| Allowance / Loans | 1.16% | 1.04% | 0.96% | 0.97% | 0.95% | 1.00% | 0.75% | 0.72% | -25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 9.01% | 8.86% | 8.73% | 8.82% | 8.97% | -4 bps | |
| Total Risk-Based Capital | 16.79% | 16.94% | 16.83% | 14.31% | 15.53% | 15.25% | 14.74% | 15.31% | +100 bps | |
| Equity / Assets | 8.73% | 8.94% | 8.79% | 9.40% | 8.93% | 9.41% | 8.91% | 10.15% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.77% | 87.28% | 83.65% | 86.17% | 85.48% | 86.86% | 85.27% | 84.78% | -139 bps | |
| Liquid Assets / Assets | 1.05% | 1.55% | 1.50% | 1.40% | 1.70% | 1.73% | 1.70% | 1.73% | +33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |