Denmark, WI · Cert 13240
FDIC · 7 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 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.
Denmark, WI · Cert 13240
FDIC · 7 branches
Q2 2022
Market Position · Green Bay, WI · 2022 SOD (annual) · 4.4% share · #6 of 21 inst. · $0.5B of $11.0B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.64% | 1.00% | 0.97% | 1.01% | 0.99% | 0.66% | 0.80% | -18 bps | |
| Return on Equity | 7.66% | 6.88% | 11.37% | 11.01% | 11.35% | 11.13% | 7.48% | 8.90% | -211 bps | |
| Net Interest Margin | 2.93% | 2.76% | 2.98% | 2.89% | 3.04% | 3.03% | 2.82% | 2.89% | 0 bps | |
| Efficiency Ratio | 73.30% | 73.89% | 66.19% | 66.46% | 65.25% | 65.19% | 73.03% | 67.85% | +139 bps | |
| Non-Interest Burden | 1.98% | 1.87% | 1.68% | 1.65% | 1.73% | 1.74% | 1.94% | 1.82% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.47% | 19.78% | 19.47% | 6.10% | 5.10% | 6.04% | 4.10% | 3.82% | -228 bps | |
| Loan Growth (YoY) | 13.92% | 13.30% | 7.97% | 3.77% | -0.20% | 0.21% | -1.08% | -4.49% | -826 bps | |
| Deposit Growth (YoY) | 21.86% | 24.04% | 25.24% | 11.22% | 9.88% | 8.58% | 5.19% | 4.01% | -721 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.11% | 0.10% | 0.08% | 0.10% | 0.09% | 0.07% | 0.05% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | -0.02% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 1.41% | 1.60% | 1.62% | 1.58% | 1.63% | 1.61% | 1.63% | 1.66% | +8 bps | |
| Allowance Coverage of NPLs | 17.0x | 14.2x | 16.6x | 18.6x | 16.4x | 17.2x | 24.8x | 33.9x | +15.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 8.68% | 8.83% | 8.77% | 9.02% | 9.07% | 9.12% | 9.34% | +57 bps | |
| Total Risk-Based Capital | 13.58% | 13.47% | 13.84% | 13.64% | 13.87% | 13.64% | 13.90% | 14.41% | +77 bps | |
| Equity / Assets | 9.01% | 8.73% | 8.83% | 8.93% | 9.10% | 8.85% | 8.92% | 9.08% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.17% | 83.63% | 81.50% | 82.38% | 79.17% | 77.18% | 76.64% | 75.65% | -673 bps | |
| Liquid Assets / Assets | 0.07% | 0.10% | 0.09% | 0.08% | 0.08% | 0.07% | 0.06% | 0.06% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |