Saint Croix Falls, WI · Cert 5365
FDIC · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Saint Croix Falls, WI · Cert 5365
FDIC · 3 branches
Q1 2018
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.0% share · #110 of 153 inst. · $0.0B of $189.3B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.53% | 0.56% | 0.55% | 0.62% | 0.75% | 0.83% | 2.47% | +192 bps | |
| Return on Equity | 5.92% | 5.66% | 5.89% | 5.75% | 6.63% | 8.07% | 9.03% | 26.48% | +2,073 bps | |
| Net Interest Margin | 3.33% | 3.31% | 3.28% | 3.49% | 3.35% | 3.39% | 3.46% | 3.81% | +33 bps | |
| Efficiency Ratio | 84.27% | 84.78% | 84.32% | 85.13% | 82.83% | 80.16% | 78.54% | 88.10% | +297 bps | |
| Non-Interest Burden | 2.76% | 2.76% | 2.72% | 2.92% | 2.72% | 2.65% | 2.64% | 3.32% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.07% | -0.71% | 0.06% | 2.60% | 5.94% | 4.61% | 7.50% | 7.66% | +506 bps | |
| Loan Growth (YoY) | 12.28% | 16.12% | 8.23% | 7.86% | 14.60% | 8.57% | 11.48% | 11.23% | +337 bps | |
| Deposit Growth (YoY) | -2.04% | -7.42% | -4.45% | -0.24% | 1.17% | 5.86% | 7.47% | 5.89% | +613 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.23% | 0.21% | 0.28% | 0.23% | 0.09% | -14 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.54% | +55 bps | |
| Allowance / Loans | 1.37% | 1.31% | 1.31% | 1.26% | 1.20% | 1.21% | 1.17% | 1.10% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 5.5x | 5.7x | 4.3x | 5.2x | 12.4x | +6.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.68% | 9.69% | 9.96% | 9.01% | 9.09% | 9.28% | 9.32% | -64 bps | |
| Total Risk-Based Capital | 14.43% | 13.97% | 14.24% | 13.73% | 12.68% | 13.16% | 13.20% | 12.84% | -89 bps | |
| Equity / Assets | 9.67% | 9.40% | 9.59% | 9.63% | 8.85% | 9.03% | 9.08% | 9.57% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.93% | 125.40% | 124.43% | 126.48% | 131.32% | 128.61% | 129.07% | 132.86% | +638 bps | |
| Liquid Assets / Assets | 4.08% | 2.65% | 1.50% | 1.29% | 0.22% | 2.61% | 1.84% | 0.48% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |