Eau Claire, WI · Cert 23137
FDIC · 4 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.
Eau Claire, WI · Cert 23137
FDIC · 4 branches
Q2 2022
Market Position · Eau Claire, WI · 2022 SOD (annual) · 16.2% share · #1 of 22 inst. · $0.6B of $3.8B
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 | 1.41% | 1.62% | 1.75% | 1.62% | 1.57% | 1.56% | 1.23% | 1.41% | -21 bps | |
| Return on Equity | 11.30% | 13.19% | 15.08% | 13.82% | 13.45% | 13.25% | 11.42% | 13.81% | -1 bps | |
| Net Interest Margin | 2.90% | 2.91% | 2.94% | 2.80% | 2.81% | 2.77% | 2.91% | 3.21% | +41 bps | |
| Efficiency Ratio | 46.47% | 47.84% | 46.62% | 49.09% | 49.65% | 54.32% | 50.80% | 46.81% | -228 bps | |
| Non-Interest Burden | 1.17% | 1.22% | 1.17% | 1.18% | 1.21% | 1.35% | 1.33% | 1.35% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.73% | 19.41% | 20.47% | 9.14% | 10.41% | 1.44% | -1.12% | 0.59% | -856 bps | |
| Loan Growth (YoY) | 7.71% | 5.76% | 6.29% | 1.23% | 1.53% | 8.01% | 9.79% | 12.59% | +1,137 bps | |
| Deposit Growth (YoY) | 9.57% | 20.08% | 29.63% | 13.08% | 14.28% | 7.57% | 4.97% | 5.17% | -791 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.43% | 0.65% | 0.60% | 0.56% | 0.54% | 0.56% | 0.53% | -7 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.00% | -0.02% | 0.00% | 0.00% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.60% | 1.42% | 1.38% | 1.37% | 1.36% | 1.12% | 1.07% | 1.03% | -34 bps | |
| Allowance Coverage of NPLs | 3.3x | 3.3x | 2.1x | 2.3x | 2.4x | 2.1x | 1.9x | 1.9x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.43% | 11.29% | 11.22% | 11.31% | 11.30% | 9.74% | 10.08% | -113 bps | |
| Total Risk-Based Capital | 16.22% | 16.53% | 17.41% | 16.80% | 16.47% | 15.67% | 12.69% | 12.95% | -385 bps | |
| Equity / Assets | 11.78% | 11.66% | 11.52% | 12.03% | 11.61% | 12.24% | 9.27% | 9.08% | -294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.23% | 86.14% | 85.38% | 88.44% | 82.83% | 86.50% | 89.30% | 94.68% | +624 bps | |
| Liquid Assets / Assets | 11.30% | 14.95% | 14.42% | 9.01% | 11.76% | 3.22% | 0.12% | 0.85% | -817 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |