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Cuba City State Bank

Cuba City, WI · Cert 6183

FDIC · 5 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cuba City State Bank

Cuba City, WI · Cert 6183

FDIC · 5 branches

Q1 2019

$174.1MAssets
$145.0MLoans
$138.2MDeposits
$22.0MEquity
Loan mix
77%RE $77.2M18%C&I $17.7M5%Consumer $4.7MQ1 2018Q1 2019
Deposit mix
81%Interest-bearing $111.7M19%Noninterest $26.4MQ1 2018Q1 2019

NIM

3.95%Q1 ’174.12%Q1 ’184.46%Q1 ’19+1%+1%

Non-interest income vs. expense

2.60%Q1 ’172.46%Q1 ’182.46%Q1 ’19-10%+3%

Executive Summary

  • Earnings: ROA of 1.12%, down 5 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.85% of loans (+16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.35%, up 23 bps from a year ago.
  • Funding: loans stand at 104.96% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.12%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+4 bps YoY

Efficiency Ratio (YTD, annualized)

61.06%+20 bps YoY

Tier 1 Leverage Ratio

11.35%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.17%1.24%1.25%1.22%1.12%-5 bps
Return on Equity9.30%9.93%10.06%9.84%9.03%-27 bps
Net Interest Margin3.69%3.73%3.63%3.60%3.73%+4 bps
Efficiency Ratio60.85%59.08%58.70%59.00%61.06%+20 bps
Non-Interest Burden2.05%1.98%1.92%1.92%2.10%+5 bps
Growth
Asset Growth (YoY)5.41%9.14%7.77%9.84%9.78%+438 bps
Loan Growth (YoY)10.57%13.32%13.32%17.49%8.01%-256 bps
Deposit Growth (YoY)3.95%6.98%6.59%5.17%5.04%+108 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.65%0.63%0.50%0.85%+16 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.01%0.00%+1 bps
Allowance / Loans1.23%1.19%1.19%1.13%1.19%-5 bps
Allowance Coverage of NPLs1.8x1.8x1.9x2.3x1.4x-0.4x
Capital
Tier 1 Leverage Ratio11.13%11.23%10.97%11.03%11.35%+23 bps
Total Risk-Based Capital15.14%14.72%14.68%14.47%15.17%+4 bps
Equity / Assets12.74%12.26%12.28%12.16%12.66%-7 bps
Liquidity & Funding
Loans / Deposits102.07%103.24%103.20%106.00%104.96%+289 bps
Liquid Assets / Assets0.91%1.74%1.65%1.47%2.77%+186 bps
CRE / Total Capitaln/an/an/an/an/an/an/a