Hillsboro, WI · Cert 15126
FDIC · 5 branches
Q2 2023
Market Position · La Crosse-Onalaska, WI-MN · 2023 SOD (annual) · 2.9% share · #13 of 24 inst. · $0.1B of $5.1B
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.78% | 1.67% | 1.50% | 1.53% | 1.55% | 1.49% | 1.59% | 1.57% | +5 bps | |
| Return on Equity | 9.78% | 9.50% | 9.59% | 9.64% | 9.66% | 9.22% | 9.30% | 9.02% | -62 bps | |
| Net Interest Margin | 2.98% | 2.87% | 2.77% | 2.83% | 2.87% | 2.93% | 2.91% | 3.05% | +22 bps | |
| Efficiency Ratio | 34.11% | 35.93% | 39.74% | 39.81% | 38.81% | 38.40% | 36.62% | 38.38% | -143 bps | |
| Non-Interest Burden | 0.83% | 0.88% | 0.97% | 1.00% | 0.99% | 1.02% | 0.96% | 1.06% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 6.50% | 4.39% | 2.69% | 3.85% | 0.67% | -1.02% | -1.18% | -387 bps | |
| Loan Growth (YoY) | 11.43% | 17.93% | 11.89% | 23.46% | 13.60% | 10.84% | 1.12% | 3.00% | -2,046 bps | |
| Deposit Growth (YoY) | 5.43% | 9.52% | 7.12% | 5.03% | 6.50% | -0.93% | -3.10% | -3.27% | -830 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 0.82% | 0.76% | 0.75% | 0.78% | 0.75% | 0.75% | 0.73% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 12.5x | 6.9x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.68% | 15.64% | 15.87% | 16.24% | 16.72% | 17.11% | 17.46% | 18.62% | +238 bps | |
| Total Risk-Based Capital | 18.68% | 15.64% | 15.87% | 16.24% | 16.72% | 17.11% | 17.46% | 18.62% | +238 bps | |
| Equity / Assets | 18.79% | 15.44% | 15.79% | 16.30% | 16.70% | 16.82% | 17.48% | 18.03% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.67% | 60.46% | 66.15% | 67.24% | 65.78% | 67.64% | 69.03% | 71.59% | +436 bps | |
| Liquid Assets / Assets | 41.56% | 41.17% | 40.20% | 39.59% | 40.32% | 38.64% | 39.48% | 38.73% | -86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |