Burlington, WI · Cert 57504
FDIC · 2 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.
Burlington, WI · Cert 57504
FDIC · 2 branches
Q1 2019
Market Position · Racine, WI · 2018 SOD (annual) · 2.5% share · #12 of 14 inst. · $0.1B of $3.2B
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 | 0.47% | 0.48% | -0.07% | 1.04% | 0.89% | 0.84% | 0.89% | 1.00% | -4 bps | |
| Return on Equity | 3.69% | 3.80% | -0.59% | 8.90% | 7.72% | 7.33% | 7.75% | 8.80% | -10 bps | |
| Net Interest Margin | 3.78% | 3.70% | 3.73% | 3.99% | 3.93% | 3.91% | 3.93% | 4.21% | +22 bps | |
| Efficiency Ratio | 80.83% | 81.29% | 76.80% | 71.83% | 73.39% | 73.97% | 73.89% | 77.50% | +568 bps | |
| Non-Interest Burden | 2.85% | 2.78% | 2.66% | 2.49% | 2.64% | 2.67% | 2.68% | 3.10% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.83% | 4.39% | 4.58% | 1.50% | 10.03% | 6.64% | 2.21% | 8.10% | +660 bps | |
| Loan Growth (YoY) | 10.16% | 14.33% | 10.20% | 13.38% | 11.18% | 1.83% | 4.14% | 6.51% | -687 bps | |
| Deposit Growth (YoY) | 4.96% | 4.69% | 6.20% | -2.73% | 9.08% | 8.18% | 2.12% | 14.77% | +1,749 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.62% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.50% | -0.34% | -0.29% | -0.02% | -0.01% | -0.01% | -0.01% | -0.46% | -43 bps | |
| Allowance / Loans | 2.87% | 2.72% | 2.04% | 1.97% | 1.93% | 1.98% | 1.96% | 1.85% | -12 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.4x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.15% | 8.98% | 9.92% | 9.78% | 10.01% | 9.68% | 10.09% | +17 bps | |
| Total Risk-Based Capital | 13.78% | 13.68% | 13.93% | 14.32% | 14.31% | 14.96% | 14.45% | 14.73% | +41 bps | |
| Equity / Assets | 12.70% | 12.69% | 11.47% | 11.93% | 11.05% | 11.44% | 11.43% | 11.28% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.81% | 88.08% | 84.24% | 94.89% | 85.42% | 82.92% | 85.91% | 88.06% | -683 bps | |
| Liquid Assets / Assets | 5.86% | 4.50% | 6.19% | 4.62% | 8.66% | 6.83% | 5.06% | 7.58% | +296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |