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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.68% | 1.15% | 1.29% | 1.45% | -2.03% | 1.40% | 1.36% | +7 bps | |
| Return on Equity | 16.12% | 16.96% | 11.62% | 12.82% | 14.20% | -20.42% | 10.61% | 7.78% | -504 bps | |
| Net Interest Margin | 4.13% | 4.01% | 3.59% | 3.70% | 3.91% | 3.79% | 3.63% | 3.34% | -37 bps | |
| Efficiency Ratio | 52.93% | 47.67% | 59.63% | 55.98% | 52.57% | 157.60% | 49.62% | 48.76% | -722 bps | |
| Non-Interest Burden | 2.00% | 1.71% | 2.02% | 1.95% | 1.92% | 6.10% | 1.54% | 1.35% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | 9.75% | 2.62% | 8.14% | 6.35% | 2.21% | 2.14% | -4.77% | -1,291 bps | |
| Loan Growth (YoY) | -2.32% | -0.39% | -3.68% | 4.31% | 0.80% | 2.22% | -0.58% | -8.34% | -1,265 bps | |
| Deposit Growth (YoY) | 6.22% | 12.34% | 4.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.62% | 1.62% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 10.07% | 9.82% | 10.18% | 10.37% | 10.03% | 11.60% | 9.40% | -77 bps | |
| Total Risk-Based Capital | 10.09% | 10.07% | 9.82% | 10.18% | 10.37% | 10.03% | 11.60% | 9.40% | -77 bps | |
| Equity / Assets | 10.03% | 9.80% | 9.91% | 10.18% | 10.30% | 9.57% | 16.81% | 18.24% | +806 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.73% | 100.15% | 101.53% | 104.53% | 103.93% | 101.03% | 108.12% | 109.03% | +450 bps | |
| Liquid Assets / Assets | 1.13% | 1.55% | 0.87% | 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 | n/a | n/a | n/a |