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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 1.65% | 1.17% | 0.95% | 1.32% | +50 bps | |
| Return on Equity | 8.64% | 17.25% | 12.09% | 9.92% | 13.38% | +474 bps | |
| Net Interest Margin | 2.72% | 2.87% | 2.82% | 2.76% | 2.92% | +19 bps | |
| Efficiency Ratio | 57.75% | 43.50% | 50.92% | 56.68% | 44.55% | -1,320 bps | |
| Non-Interest Burden | 1.49% | 1.07% | 1.23% | 1.48% | 1.13% | -36 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% | -0.65% | -0.32% | 0.00% | 0.00% | 0 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 |