Arcadia, WI · Cert 14994
FDIC · 4 branches
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.99% | 0.88% | 0.86% | 0.79% | 0.86% | 0.81% | 0.78% | -8 bps | |
| Return on Equity | 8.39% | 7.95% | 7.26% | 7.10% | 6.74% | 8.02% | 7.53% | 7.50% | +40 bps | |
| Net Interest Margin | 2.56% | 2.59% | 2.33% | 2.23% | 2.12% | 2.28% | 2.15% | 2.14% | -9 bps | |
| Efficiency Ratio | 66.82% | 61.21% | 62.55% | 64.49% | 65.32% | 62.88% | 65.08% | 65.37% | +88 bps | |
| Non-Interest Burden | 1.63% | 1.51% | 1.39% | 1.38% | 1.33% | 1.38% | 1.35% | 1.33% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.91% | 3.61% | 13.89% | 12.15% | 15.95% | 16.92% | 7.64% | 8.23% | -393 bps | |
| Loan Growth (YoY) | -3.81% | -3.65% | -2.62% | -1.51% | -3.59% | -3.79% | -6.30% | -5.79% | -428 bps | |
| Deposit Growth (YoY) | -1.47% | 3.82% | 15.65% | 13.58% | 18.15% | 19.42% | 8.70% | 11.65% | -193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.27% | 1.23% | 0.72% | 0.69% | 0.48% | 0.33% | 0.33% | -39 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.01% | 0.01% | +3 bps | |
| Allowance / Loans | 1.16% | 1.18% | 1.19% | 1.21% | 1.24% | 1.25% | 1.28% | 1.27% | +6 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.9x | 1.0x | 1.7x | 1.8x | 2.6x | 3.8x | 3.8x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.26% | 11.16% | 10.61% | 10.52% | 9.82% | 9.77% | 9.76% | 8.19% | -233 bps | |
| Total Risk-Based Capital | 24.33% | 24.69% | 24.95% | 26.26% | 25.59% | 25.57% | 27.30% | 23.19% | -307 bps | |
| Equity / Assets | 12.37% | 12.42% | 11.56% | 11.92% | 10.79% | 10.61% | 10.70% | 9.28% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.92% | 59.47% | 53.50% | 54.27% | 48.90% | 47.91% | 46.12% | 45.80% | -847 bps | |
| Liquid Assets / Assets | 24.28% | 25.71% | 40.40% | 37.96% | 37.98% | 27.53% | 24.12% | 24.70% | -1,326 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |