Kendall, WI · Cert 12355
FDIC · 3 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Kendall, WI · Cert 12355
FDIC · 3 branches
Q4 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.61% | 2.29% | 2.15% | 2.05% | 1.50% | 1.59% | 1.74% | 1.87% | -19 bps | |
| Return on Equity | 16.85% | 14.69% | 13.67% | 13.07% | 9.35% | 9.78% | 10.60% | 11.43% | -165 bps | |
| Net Interest Margin | 4.78% | 4.32% | 4.11% | 4.01% | 3.51% | 3.64% | 4.00% | 4.01% | 0 bps | |
| Efficiency Ratio | 46.18% | 49.07% | 50.63% | 52.01% | 57.08% | 55.51% | 53.06% | 51.82% | -19 bps | |
| Non-Interest Burden | 1.87% | 1.77% | 1.73% | 1.75% | 1.70% | 1.71% | 1.78% | 1.74% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.54% | 5.60% | 9.91% | 1.13% | -1.41% | -2.41% | -4.27% | 1.08% | -5 bps | |
| Loan Growth (YoY) | -4.11% | -3.98% | -6.57% | -6.76% | -8.03% | -4.87% | 1.48% | 4.43% | +1,119 bps | |
| Deposit Growth (YoY) | 11.82% | 6.53% | 11.43% | 1.12% | -2.05% | -2.09% | -4.46% | 2.11% | +99 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.56% | 1.87% | 1.95% | 3.74% | 0.86% | 0.74% | 0.71% | 0.72% | -301 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.02% | -0.91% | -0.43% | -0.29% | -0.22% | -24 bps | |
| Allowance / Loans | 0.99% | 0.97% | 1.03% | 1.06% | 1.28% | 1.22% | 1.20% | 1.23% | +17 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.5x | 0.3x | 1.5x | 1.6x | 1.7x | 1.7x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.99% | 15.56% | 16.02% | 15.56% | 16.20% | 16.22% | 17.27% | 15.70% | +13 bps | |
| Total Risk-Based Capital | 15.99% | 15.56% | 16.02% | 15.56% | 16.20% | 16.22% | 17.27% | 15.70% | +13 bps | |
| Equity / Assets | 15.63% | 15.87% | 15.93% | 15.77% | 16.23% | 16.66% | 17.18% | 15.98% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.38% | 93.08% | 87.27% | 84.20% | 84.86% | 90.43% | 92.70% | 86.11% | +191 bps | |
| Liquid Assets / Assets | 22.88% | 20.26% | 24.84% | 25.33% | 26.79% | 14.12% | 7.75% | 17.93% | -740 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |