Monona, WI · Cert 33458
FDIC · 9 branches
Q4 2022
Market Position · Madison, WI · 2022 SOD (annual) · 3.8% share · #10 of 45 inst. · $1.0B of $26.3B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.11% | 1.16% | 1.10% | 0.84% | 0.89% | 0.90% | -0.30% | -140 bps | |
| Return on Equity | 10.35% | 10.35% | 10.81% | 10.40% | 8.21% | 8.66% | 8.78% | -2.95% | -1,335 bps | |
| Net Interest Margin | 3.47% | 3.45% | 3.38% | 3.32% | 3.05% | 3.14% | 3.19% | 1.04% | -228 bps | |
| Efficiency Ratio | 61.16% | 61.01% | 60.39% | 61.47% | 68.21% | 66.40% | 66.04% | 59.57% | -191 bps | |
| Non-Interest Burden | 1.82% | 1.83% | 1.78% | 1.80% | 1.94% | 1.94% | 1.96% | 0.68% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.48% | 8.76% | 9.85% | 11.81% | 9.84% | 3.63% | 5.15% | 3.60% | -821 bps | |
| Loan Growth (YoY) | 16.07% | 8.17% | 5.85% | 6.21% | 0.64% | 2.89% | 8.75% | 5.38% | -82 bps | |
| Deposit Growth (YoY) | 20.09% | 13.40% | 14.92% | 14.45% | 12.47% | 6.38% | 5.33% | -0.93% | -1,538 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.34% | 0.18% | 0.21% | 0.15% | 0.10% | 0.08% | 0.10% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.34% | 1.35% | 1.38% | 1.38% | 1.39% | 1.33% | 1.27% | 0.96% | -42 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.9x | 7.6x | 6.7x | 9.3x | 12.7x | 15.5x | 9.6x | +3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.46% | 9.23% | 9.31% | 9.25% | 9.65% | 9.86% | 7.22% | -209 bps | |
| Total Risk-Based Capital | 11.95% | 11.74% | 11.98% | 12.09% | 12.30% | 12.18% | 11.98% | 8.87% | -322 bps | |
| Equity / Assets | 10.94% | 10.48% | 10.57% | 10.20% | 10.24% | 10.37% | 10.21% | 10.02% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.52% | 96.53% | 94.39% | 89.39% | 89.06% | 93.37% | 97.45% | 95.09% | +570 bps | |
| Liquid Assets / Assets | 1.31% | 3.93% | 4.67% | 7.09% | 7.02% | 1.68% | 0.64% | 1.30% | -580 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |