Prentice, WI · Cert 27053
FDIC · 2 branches
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, 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.
Prentice, WI · Cert 27053
FDIC · 2 branches
Q1 2023
Market Position · Wausau-Weston, WI · 2022 SOD (annual) · 0.2% share · #19 of 19 inst. · $0.0B of $5.2B
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.35% | 0.32% | 0.33% | 0.49% | 0.68% | 0.55% | 1.13% | +80 bps | |
| Return on Equity | 3.58% | 3.39% | 3.07% | 3.12% | 4.58% | 6.20% | 4.89% | 9.06% | +594 bps | |
| Net Interest Margin | 2.42% | 2.39% | 2.48% | 2.55% | 2.83% | 3.22% | 3.53% | 4.16% | +161 bps | |
| Efficiency Ratio | 83.43% | 83.93% | 85.96% | 84.91% | 81.18% | 75.26% | 81.62% | 66.49% | -1,842 bps | |
| Non-Interest Burden | 1.89% | 1.88% | 2.02% | 2.07% | 2.17% | 2.24% | 2.74% | 2.58% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.51% | 2.54% | 1.51% | 3.21% | -5.57% | -5.08% | -8.71% | -13.93% | -1,714 bps | |
| Loan Growth (YoY) | -5.43% | -5.44% | -5.11% | 3.24% | 7.36% | 11.20% | 8.03% | 9.41% | +617 bps | |
| Deposit Growth (YoY) | 2.30% | 2.61% | 1.63% | 3.71% | 2.23% | 2.73% | -1.98% | -8.80% | -1,251 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.71% | 0.47% | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.19% | 1.21% | 1.18% | 1.18% | 1.14% | 1.11% | 1.12% | 1.12% | -6 bps | |
| Allowance Coverage of NPLs | 4.8x | 1.7x | 2.5x | n/a | n/a | n/a | n/a | 7.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.39% | 10.63% | 10.41% | 10.97% | 11.79% | 12.23% | 12.57% | +216 bps | |
| Total Risk-Based Capital | 21.82% | 22.28% | 21.28% | 21.59% | 20.49% | 20.46% | 19.98% | 19.97% | -162 bps | |
| Equity / Assets | 10.40% | 10.77% | 10.53% | 10.34% | 11.42% | 11.95% | 12.11% | 12.80% | +246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.77% | 73.99% | 74.37% | 71.86% | 75.37% | 80.09% | 81.96% | 86.20% | +1,435 bps | |
| Liquid Assets / Assets | 34.86% | 33.71% | 34.08% | 35.49% | 28.14% | 25.75% | 23.57% | 20.59% | -1,490 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |