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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.13% | 1.24% | 1.48% | 0.94% | 0.98% | 1.33% | 0.58% | -90 bps | |
| Return on Equity | 8.65% | 8.56% | 9.29% | 10.91% | 6.63% | 6.99% | 9.38% | 4.08% | -683 bps | |
| Net Interest Margin | 3.43% | 3.46% | 3.47% | 3.22% | 2.92% | 2.93% | 2.91% | 2.92% | -30 bps | |
| Efficiency Ratio | 55.40% | 55.14% | 55.01% | 53.70% | 60.33% | 59.06% | 58.10% | 82.02% | +2,833 bps | |
| Non-Interest Burden | 1.88% | 1.88% | 1.88% | 1.68% | 1.73% | 1.71% | 1.67% | 2.38% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.70% | -13.91% | -5.71% | -1.69% | 3.71% | 14.36% | 5.24% | 6.25% | +794 bps | |
| Loan Growth (YoY) | -0.35% | 0.30% | -7.83% | -4.43% | -7.56% | -7.27% | 0.11% | 1.19% | +562 bps | |
| Deposit Growth (YoY) | -12.08% | -17.56% | -8.49% | -4.38% | 2.03% | 14.82% | 3.63% | 3.75% | +813 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.71% | 1.72% | 1.62% | 1.23% | 1.26% | 1.26% | 1.01% | 1.10% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 15.7x | 5.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.93% | 13.52% | 14.14% | 14.09% | 14.17% | 14.22% | 14.40% | 13.91% | -18 bps | |
| Total Risk-Based Capital | 12.93% | 13.52% | 14.14% | 14.09% | 14.17% | 14.22% | 14.40% | 13.91% | -18 bps | |
| Equity / Assets | 13.05% | 14.14% | 13.69% | 14.30% | 13.95% | 13.71% | 14.64% | 14.04% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.34% | 107.65% | 98.25% | 97.60% | 90.91% | 86.94% | 94.91% | 95.19% | -241 bps | |
| Liquid Assets / Assets | 5.39% | 2.02% | 7.86% | 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 | n/a | n/a | n/a |