Grafton, WI · Cert 33137
FDIC · 3 branches
Q2 2023
Market Position · Milwaukee-Waukesha, WI · 2023 SOD (annual) · 0.2% share · #31 of 45 inst. · $0.2B of $78.0B
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.29% | 0.45% | 1.40% | 1.39% | +17 bps | |
| Return on Equity | 12.19% | 12.87% | 4.54% | 10.61% | 9.38% | -281 bps | |
| Net Interest Margin | 3.66% | 3.73% | 3.80% | 3.63% | 3.49% | -17 bps | |
| Efficiency Ratio | 57.79% | 55.97% | 81.00% | 49.62% | 49.21% | -858 bps | |
| Non-Interest Burden | 1.99% | 1.96% | 3.03% | 1.54% | 1.43% | -56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.14% | 6.35% | 2.21% | 2.14% | -4.77% | -1,291 bps | |
| Loan Growth (YoY) | 4.31% | 0.80% | 2.22% | -0.58% | -8.34% | -1,265 bps | |
| Deposit Growth (YoY) | 8.91% | 6.42% | 1.33% | -6.65% | -12.12% | -2,104 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.57% | 1.59% | 0.00% | 0.00% | -158 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.18% | 10.37% | 10.03% | 11.60% | 9.40% | -77 bps | |
| Total Risk-Based Capital | 10.18% | 10.37% | 10.03% | 11.60% | 9.40% | -77 bps | |
| Equity / Assets | 10.18% | 10.30% | 9.57% | 16.81% | 18.24% | +806 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.53% | 103.93% | 101.03% | 108.12% | 109.03% | +450 bps | |
| Liquid Assets / Assets | 0.89% | 0.43% | 0.68% | 0.49% | 0.54% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |