Darlington, WI · Cert 14468
FDIC · 2 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.76% | 0.44% | 0.82% | 0.92% | 0.91% | 0.64% | 0.53% | -29 bps | |
| Return on Equity | 5.65% | 5.96% | 3.42% | 6.11% | 6.71% | 6.78% | 4.76% | 3.94% | -216 bps | |
| Net Interest Margin | 2.77% | 3.15% | 3.30% | 3.13% | 3.11% | 3.06% | 3.07% | 2.81% | -32 bps | |
| Efficiency Ratio | 68.70% | 70.51% | 82.36% | 67.25% | 65.13% | 64.43% | 63.13% | 74.72% | +747 bps | |
| Non-Interest Burden | 1.79% | 2.12% | 2.66% | 1.99% | 1.85% | 1.81% | 1.83% | 2.01% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.76% | 2.84% | -2.66% | -6.96% | -4.03% | 1.57% | 6.47% | 8.96% | +1,591 bps | |
| Loan Growth (YoY) | 5.15% | 10.01% | 7.68% | 5.85% | 15.52% | 16.13% | 16.07% | 16.27% | +1,041 bps | |
| Deposit Growth (YoY) | 9.47% | 4.19% | -2.29% | -8.27% | -6.93% | 0.92% | 5.99% | 8.60% | +1,687 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.06% | 0.06% | 0.06% | 0.06% | 0.11% | 0.12% | +6 bps | |
| Net Charge-Offs / Loans | -0.21% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.56% | 1.52% | 1.47% | 1.46% | 1.35% | 1.31% | 1.29% | 1.30% | -16 bps | |
| Allowance Coverage of NPLs | 18.3x | 18.3x | 23.3x | 23.3x | 23.3x | 22.7x | 11.8x | 10.6x | -12.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.48% | 13.82% | 14.40% | 14.95% | 14.85% | 14.70% | 14.77% | 14.46% | -49 bps | |
| Total Risk-Based Capital | 22.20% | 21.98% | 21.73% | 22.36% | 21.27% | 20.97% | 20.20% | 20.00% | -236 bps | |
| Equity / Assets | 12.62% | 12.81% | 13.08% | 13.88% | 13.54% | 13.36% | 13.33% | 13.55% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.22% | 69.25% | 72.66% | 76.16% | 80.95% | 79.68% | 79.57% | 81.54% | +538 bps | |
| Liquid Assets / Assets | 13.06% | 9.07% | 8.12% | 6.40% | 6.31% | 6.58% | 5.84% | 6.00% | -40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |