Wausau, WI · Cert 58091
FDIC · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Wausau, WI · Cert 58091
FDIC · 1 branch
Q1 2017
Market Position · Wausau, WI · 2016 SOD (annual) · 2.0% share · #12 of 22 inst. · $0.1B of $3.1B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.89% | 0.93% | 0.81% | 0.38% | -46 bps | |
| Return on Equity | 5.58% | 5.93% | 6.17% | 5.35% | 2.52% | -306 bps | |
| Net Interest Margin | 3.84% | 3.91% | 3.92% | 3.82% | 4.07% | +23 bps | |
| Efficiency Ratio | 69.20% | 68.99% | 67.56% | 69.66% | 101.44% | +3,224 bps | |
| Non-Interest Burden | 2.43% | 2.42% | 2.38% | 2.41% | 4.00% | +157 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.89% | 7.28% | 5.17% | 3.59% | 0.92% | -997 bps | |
| Loan Growth (YoY) | 7.63% | 8.49% | 12.29% | 8.52% | 4.99% | -264 bps | |
| Deposit Growth (YoY) | 10.32% | 12.37% | 6.11% | 4.19% | 1.03% | -929 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.54% | +154 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.12% | -0.01% | -0.10% | -0.39% | -56 bps | |
| Allowance / Loans | 1.45% | 1.42% | 1.38% | 1.48% | 1.42% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.9x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.55% | 11.85% | 12.01% | 11.85% | 12.12% | +57 bps | |
| Total Risk-Based Capital | 15.58% | 15.99% | 15.54% | 16.17% | 15.77% | +19 bps | |
| Equity / Assets | 14.71% | 14.95% | 15.08% | 15.33% | 14.81% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.22% | 95.66% | 103.03% | 103.52% | 98.95% | +373 bps | |
| Liquid Assets / Assets | 1.25% | 1.22% | 0.05% | 0.03% | 0.41% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |