Cuba City, WI · Cert 6183
FDIC · 5 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cuba City, WI · Cert 6183
FDIC · 5 branches
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.00% | 0.79% | 1.17% | 1.24% | 1.25% | 1.22% | 1.12% | -5 bps | |
| Return on Equity | 7.36% | 7.77% | 6.22% | 9.30% | 9.93% | 10.06% | 9.84% | 9.03% | -27 bps | |
| Net Interest Margin | 3.74% | 3.63% | 3.61% | 3.69% | 3.73% | 3.63% | 3.60% | 3.73% | +4 bps | |
| Efficiency Ratio | 62.80% | 61.11% | 62.22% | 60.85% | 59.08% | 58.70% | 59.00% | 61.06% | +20 bps | |
| Non-Interest Burden | 2.16% | 2.03% | 2.05% | 2.05% | 1.98% | 1.92% | 1.92% | 2.10% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 6.69% | 7.68% | 5.41% | 9.14% | 7.77% | 9.84% | 9.78% | +438 bps | |
| Loan Growth (YoY) | 8.01% | 7.01% | 8.54% | 10.57% | 13.32% | 13.32% | 17.49% | 8.01% | -256 bps | |
| Deposit Growth (YoY) | 1.52% | 4.34% | 7.25% | 3.95% | 6.98% | 6.59% | 5.17% | 5.04% | +108 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.83% | 0.79% | 0.68% | 0.65% | 0.63% | 0.50% | 0.85% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | -0.01% | -0.01% | 0.00% | 0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.30% | 1.29% | 1.28% | 1.23% | 1.19% | 1.19% | 1.13% | 1.19% | -5 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.6x | 1.8x | 1.8x | 1.9x | 2.3x | 1.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.51% | 11.23% | 11.00% | 11.13% | 11.23% | 10.97% | 11.03% | 11.35% | +23 bps | |
| Total Risk-Based Capital | 15.64% | 16.08% | 16.00% | 15.14% | 14.72% | 14.68% | 14.47% | 15.17% | +4 bps | |
| Equity / Assets | 12.90% | 12.72% | 12.43% | 12.74% | 12.26% | 12.28% | 12.16% | 12.66% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.47% | 97.07% | 94.88% | 102.07% | 103.24% | 103.20% | 106.00% | 104.96% | +289 bps | |
| Liquid Assets / Assets | 2.16% | 4.36% | 2.77% | 0.91% | 1.74% | 1.65% | 1.47% | 2.77% | +186 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |