Madison, WI · Cert 30248
FDIC · 3 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 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.
Madison, WI · Cert 30248
FDIC · 3 branches
Q1 2022
Market Position · Madison, WI · 2021 SOD (annual) · 0.5% share · #32 of 47 inst. · $0.1B of $26.4B
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 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 1.79% | 1.45% | 0.52% | 0.57% | 0.41% | 0.38% | -0.37% | -88 bps | |
| Return on Equity | 5.93% | 19.51% | 15.50% | 5.27% | 5.74% | 4.14% | 3.82% | -3.57% | -883 bps | |
| Net Interest Margin | 2.65% | 2.66% | 2.72% | 2.69% | 2.63% | 2.68% | 2.68% | 2.63% | -5 bps | |
| Efficiency Ratio | 79.21% | 79.34% | 79.05% | 73.26% | 72.15% | 80.24% | 80.73% | 108.66% | +3,540 bps | |
| Non-Interest Burden | 2.05% | 2.04% | 2.08% | 1.90% | 1.82% | 2.09% | 2.11% | 2.87% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.81% | 15.49% | 10.77% | 8.57% | -0.06% | 2.73% | 1.08% | -5.61% | -1,418 bps | |
| Loan Growth (YoY) | 12.81% | 14.11% | 8.38% | 8.23% | 7.89% | 10.88% | 8.30% | 5.08% | -314 bps | |
| Deposit Growth (YoY) | 17.37% | 8.15% | 4.67% | 6.09% | -2.87% | 2.71% | 0.79% | -7.51% | -1,360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.35% | 0.31% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.28% | 0.17% | 0.11% | 0.08% | 0.00% | -28 bps | |
| Allowance / Loans | 1.06% | 1.09% | 1.09% | 1.02% | 0.98% | 0.94% | 0.95% | 0.96% | -7 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.1x | 3.6x | 17.6x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 8.94% | 9.21% | 9.35% | 9.32% | 9.42% | 9.48% | 9.86% | +51 bps | |
| Total Risk-Based Capital | 15.68% | 15.91% | 15.63% | 15.95% | 15.81% | 15.09% | 15.40% | 15.85% | -11 bps | |
| Equity / Assets | 8.55% | 9.86% | 9.95% | 9.63% | 9.99% | 10.03% | 10.25% | 10.39% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.30% | 104.11% | 105.57% | 101.74% | 108.07% | 112.39% | 113.43% | 115.59% | +1,385 bps | |
| Liquid Assets / Assets | 20.30% | 16.06% | 14.68% | 17.25% | 14.04% | 10.76% | 9.67% | 8.93% | -832 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |