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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.51% | -1.71% | 1.04% | 0.75% | 0.74% | 1.02% | 1.00% | -4 bps | |
| Return on Equity | 3.62% | 4.02% | -14.13% | 8.90% | 6.55% | 6.57% | 8.92% | 8.80% | -10 bps | |
| Net Interest Margin | 3.81% | 3.88% | 4.17% | 3.99% | 4.03% | 3.89% | 4.06% | 4.21% | +22 bps | |
| Efficiency Ratio | 81.30% | 82.07% | 64.90% | 71.83% | 75.15% | 75.20% | 73.68% | 77.50% | +568 bps | |
| Non-Interest Burden | 2.88% | 2.91% | 2.44% | 2.49% | 2.89% | 2.75% | 2.74% | 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 | -0.32% | -0.06% | -0.12% | -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 |