Sauk City, WI · Cert 33880
FDIC · 3 branches
Q4 2024
Market Position · Janesville-Beloit, WI · 2024 SOD (annual) · 0.9% share · #16 of 17 inst. · $0.0B of $3.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.18% | 0.94% | 1.02% | 1.99% | -1.65% | -382 bps | |
| Return on Equity | 15.56% | 6.63% | 7.34% | 14.03% | -11.48% | -2,705 bps | |
| Net Interest Margin | 3.04% | 2.92% | 2.98% | 3.01% | 3.00% | -4 bps | |
| Efficiency Ratio | 49.76% | 60.33% | 57.83% | 56.29% | 151.12% | +10,136 bps | |
| Non-Interest Burden | 1.36% | 1.73% | 1.70% | 1.67% | 4.55% | +320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.69% | 3.71% | 14.36% | 5.24% | 6.25% | +794 bps | |
| Loan Growth (YoY) | -4.43% | -7.56% | -7.27% | 0.11% | 1.19% | +562 bps | |
| Deposit Growth (YoY) | -4.38% | 2.03% | 14.82% | 3.63% | 3.75% | +813 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.21% | +21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.26% | 1.26% | 1.01% | 1.10% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 15.7x | 5.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.09% | 14.17% | 14.22% | 14.40% | 13.91% | -18 bps | |
| Total Risk-Based Capital | 14.09% | 14.17% | 14.22% | 14.40% | 13.91% | -18 bps | |
| Equity / Assets | 14.30% | 13.95% | 13.71% | 14.64% | 14.04% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.60% | 90.91% | 86.94% | 94.91% | 95.19% | -241 bps | |
| Liquid Assets / Assets | 3.75% | 3.65% | 3.56% | 3.71% | 3.69% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |