Black River Falls, WI · Cert 15121
FDIC · 3 branches
Q2 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.97% | -1.73% | 2.22% | 0.56% | 0.60% | +357 bps | |
| Return on Equity | -30.65% | -17.63% | 22.47% | 5.70% | 6.05% | +3,670 bps | |
| Net Interest Margin | 2.13% | 2.21% | 0.26% | 1.75% | 1.63% | -50 bps | |
| Efficiency Ratio | 115.01% | 109.34% | 13.17% | 75.33% | 76.80% | -3,821 bps | |
| Non-Interest Burden | 2.53% | 2.47% | -2.07% | 1.05% | 1.06% | -147 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | -3.65% | -0.38% | 0.12% | -2.90% | -273 bps | |
| Loan Growth (YoY) | -29.86% | -28.99% | -31.97% | -25.42% | -15.18% | +1,468 bps | |
| Deposit Growth (YoY) | 1.02% | -4.08% | -0.08% | -0.44% | -3.67% | -468 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.56% | 4.76% | 4.36% | 4.33% | 5.24% | -232 bps | |
| Net Charge-Offs / Loans | 7.31% | 5.25% | 0.01% | -0.06% | -0.02% | -734 bps | |
| Allowance / Loans | 3.21% | 3.56% | 0.00% | 0.14% | 0.13% | -309 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.7x | 0.0x | 0.0x | 0.0x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.26% | 8.57% | 10.26% | 9.92% | 9.34% | +109 bps | |
| Total Risk-Based Capital | 18.44% | 20.51% | 23.00% | 24.72% | 23.06% | +462 bps | |
| Equity / Assets | 9.46% | 10.20% | 10.06% | 9.74% | 10.13% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.48% | 42.55% | 36.03% | 33.03% | 37.40% | -508 bps | |
| Liquid Assets / Assets | 18.45% | 17.29% | 23.02% | 31.37% | 29.49% | +1,104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |