Hayward, WI · Cert 5347
FDIC · 3 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Hayward, WI · Cert 5347
FDIC · 3 branches
Q3 2020
Market Position · Eau Claire, WI · 2020 SOD (annual) · 4.5% share · #9 of 21 inst. · $0.1B of $3.3B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 1.47% | 1.79% | 1.03% | 0.50% | 1.59% | 2.42% | 2.26% | +123 bps | |
| Return on Equity | 10.74% | 7.12% | 8.75% | 5.08% | 2.58% | 9.30% | 14.85% | 13.96% | +888 bps | |
| Net Interest Margin | 3.79% | 3.82% | 3.80% | 3.63% | 0.89% | 3.66% | 3.83% | 3.43% | -19 bps | |
| Efficiency Ratio | 47.54% | 49.44% | 49.01% | 71.44% | 44.36% | 51.02% | 41.23% | 42.24% | -2,921 bps | |
| Non-Interest Burden | 1.55% | 1.68% | 1.63% | 2.43% | 0.32% | 1.53% | 1.12% | 0.97% | -146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 1.11% | 9.24% | 12.21% | 7.51% | 8.98% | 24.88% | 14.11% | +190 bps | |
| Loan Growth (YoY) | 13.33% | 9.56% | 4.58% | 1.91% | -3.50% | -1.87% | 18.57% | 15.01% | +1,310 bps | |
| Deposit Growth (YoY) | 2.66% | -0.29% | 9.89% | 9.53% | 8.37% | 7.86% | 29.18% | 22.87% | +1,334 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.04% | 0.04% | 0.20% | 0.04% | 0.05% | 0.05% | 0.12% | -8 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.10% | 1.14% | 1.17% | 1.15% | 0.00% | 0.07% | 0.11% | 0.15% | -100 bps | |
| Allowance Coverage of NPLs | 16.8x | 31.2x | 32.0x | 5.7x | 0.1x | 1.4x | 2.2x | 1.3x | -4.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.66% | 20.94% | 21.03% | 19.62% | 10.05% | 10.13% | 9.20% | 9.14% | -1,047 bps | |
| Total Risk-Based Capital | 23.30% | 24.01% | 24.59% | 23.90% | 11.24% | 11.05% | 9.20% | 9.14% | -1,476 bps | |
| Equity / Assets | 20.02% | 21.21% | 20.31% | 19.31% | 17.16% | 17.10% | 14.86% | 15.88% | -343 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.19% | 102.70% | 93.67% | 93.27% | 88.33% | 93.44% | 85.98% | 87.31% | -597 bps | |
| Liquid Assets / Assets | 1.54% | 1.28% | 5.89% | 5.32% | 2.02% | 1.11% | 8.42% | 6.15% | +83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |