Park Falls, WI · Cert 5358
FDIC · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Park Falls, WI · Cert 5358
FDIC · 3 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.27% | 1.25% | 1.02% | 1.15% | 1.14% | 1.14% | -0.15% | -118 bps | |
| Return on Equity | 11.94% | 12.19% | 12.08% | 10.36% | 11.69% | 11.72% | 11.71% | -1.52% | -1,188 bps | |
| Net Interest Margin | 3.25% | 3.26% | 3.28% | 3.07% | 3.15% | 3.20% | 3.25% | 3.06% | -1 bps | |
| Efficiency Ratio | 63.63% | 63.03% | 63.20% | 66.69% | 65.45% | 65.77% | 65.14% | 86.74% | +2,005 bps | |
| Non-Interest Burden | 1.92% | 1.91% | 1.93% | 1.96% | 1.95% | 2.00% | 2.00% | 2.62% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 0.84% | 5.25% | 5.52% | 4.94% | 3.58% | 1.48% | -4.77% | -1,029 bps | |
| Loan Growth (YoY) | -0.89% | -0.44% | 2.37% | -1.41% | 3.12% | 4.08% | 5.31% | 6.60% | +801 bps | |
| Deposit Growth (YoY) | 3.82% | 0.87% | 7.89% | 6.28% | 5.02% | 4.22% | -0.53% | -5.83% | -1,211 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.02% | 0.02% | 0.49% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.08% | 0.12% | 0.00% | -0.07% | -0.04% | 0.26% | -0.01% | -1 bps | |
| Allowance / Loans | 0.84% | 0.88% | 0.84% | 0.91% | 0.93% | 0.96% | 0.70% | 0.94% | +2 bps | |
| Allowance Coverage of NPLs | 17.9x | 16.5x | 49.8x | 57.0x | 1.9x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 10.29% | 10.41% | 10.06% | 9.95% | 10.10% | 10.29% | 10.07% | +2 bps | |
| Total Risk-Based Capital | 17.70% | 17.86% | 17.65% | 18.66% | 17.95% | 17.73% | 17.20% | 18.21% | -45 bps | |
| Equity / Assets | 10.55% | 10.63% | 10.09% | 9.68% | 9.66% | 9.61% | 9.82% | 10.53% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.68% | 62.24% | 60.21% | 56.50% | 59.59% | 62.16% | 63.75% | 63.95% | +745 bps | |
| Liquid Assets / Assets | 4.40% | 5.14% | 4.80% | 5.38% | 5.55% | 5.59% | 6.16% | 5.07% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |