Saint Cloud, WI · Cert 12781
FDIC · 11 branches
Q4 2022
Market Position · Fond du Lac, WI · 2022 SOD (annual) · 8.4% share · #4 of 11 inst. · $0.2B of $2.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.90% | 1.05% | 1.39% | 1.74% | 2.01% | +10 bps | |
| Return on Equity | 15.94% | 8.78% | 11.35% | 13.99% | 16.23% | +29 bps | |
| Net Interest Margin | 4.24% | 2.75% | 3.28% | 3.67% | 3.83% | -41 bps | |
| Efficiency Ratio | 41.66% | 57.64% | 52.10% | 45.76% | 44.69% | +303 bps | |
| Non-Interest Burden | 1.41% | 1.33% | 1.41% | 1.31% | 1.10% | -31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.84% | 4.84% | -0.59% | -2.16% | -0.56% | -940 bps | |
| Loan Growth (YoY) | -3.37% | -2.27% | 4.43% | 5.94% | 0.29% | +366 bps | |
| Deposit Growth (YoY) | 9.59% | 5.18% | -0.05% | -1.80% | -0.17% | -976 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.35% | 0.26% | 0.08% | 0.70% | +34 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.00% | -0.11% | 0.28% | +12 bps | |
| Allowance / Loans | 1.88% | 1.90% | 1.87% | 1.88% | 1.84% | -5 bps | |
| Allowance Coverage of NPLs | 5.3x | 5.4x | 7.1x | 24.1x | 2.6x | -2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.20% | 11.19% | 11.69% | 12.02% | 12.23% | +103 bps | |
| Total Risk-Based Capital | 18.15% | 18.85% | 19.30% | 19.20% | 19.89% | +174 bps | |
| Equity / Assets | 11.85% | 12.00% | 12.50% | 12.40% | 12.34% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.64% | 74.31% | 77.91% | 78.97% | 73.98% | +34 bps | |
| Liquid Assets / Assets | 23.84% | 21.30% | 17.73% | 16.31% | 19.39% | -446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |