Oshkosh, WI · Cert 58244
FDIC · 2 branches
Q3 2019
Market Position · Oshkosh-Neenah, WI · 2019 SOD (annual) · 13.5% share · #2 of 16 inst. · $0.3B of $2.3B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.15% | 1.17% | 1.06% | 1.15% | +18 bps | |
| Return on Equity | 10.22% | 12.02% | 12.09% | 10.97% | 11.78% | +156 bps | |
| Net Interest Margin | 2.76% | 2.75% | 2.82% | 2.76% | 2.81% | +5 bps | |
| Efficiency Ratio | 52.56% | 50.17% | 50.92% | 53.70% | 50.54% | -202 bps | |
| Non-Interest Burden | 1.33% | 1.25% | 1.23% | 1.34% | 1.27% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.78% | 5.28% | 8.79% | 11.39% | 1.60% | -1,417 bps | |
| Loan Growth (YoY) | 7.31% | -0.27% | 0.34% | 8.41% | 6.16% | -115 bps | |
| Deposit Growth (YoY) | 23.30% | 8.46% | 19.80% | 24.34% | 8.87% | -1,442 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.04% | 0.16% | 0.05% | 0.05% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.16% | -0.32% | -0.16% | -0.10% | -10 bps | |
| Allowance / Loans | 1.27% | 1.27% | 1.35% | 1.31% | 1.30% | +3 bps | |
| Allowance Coverage of NPLs | 10.6x | 29.1x | 8.7x | 28.0x | 28.5x | +17.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.57% | 9.77% | 9.68% | 9.71% | 10.04% | +47 bps | |
| Total Risk-Based Capital | 14.42% | 14.79% | 14.81% | 14.50% | 15.25% | +83 bps | |
| Equity / Assets | 9.28% | 9.88% | 9.44% | 9.62% | 10.13% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 117.36% | 124.25% | 108.88% | 111.18% | 114.44% | -292 bps | |
| Liquid Assets / Assets | 7.48% | 5.73% | 11.24% | 9.07% | 7.04% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |