Manitowoc, WI · Cert 34295
FDIC · 4 branches
Q3 2021
Market Position · Appleton, WI · 2021 SOD (annual) · 4.6% share · #10 of 27 inst. · $0.2B of $5.1B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.97% | 1.32% | 1.76% | 1.63% | +84 bps | |
| Return on Equity | 5.58% | 6.88% | 9.55% | 12.74% | 11.90% | +632 bps | |
| Net Interest Margin | 2.79% | 2.96% | 3.17% | 3.33% | 3.19% | +40 bps | |
| Efficiency Ratio | 62.65% | 61.15% | 57.01% | 54.70% | 55.45% | -720 bps | |
| Non-Interest Burden | 1.39% | 1.40% | 1.33% | 1.26% | 1.29% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.82% | 7.19% | 10.14% | 0.22% | 3.23% | -259 bps | |
| Loan Growth (YoY) | -0.59% | -0.55% | -0.91% | -7.43% | -5.79% | -519 bps | |
| Deposit Growth (YoY) | -5.38% | -3.10% | 10.20% | 6.01% | 12.13% | +1,751 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.83% | 4.03% | 4.32% | 2.95% | 2.75% | -109 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.33% | -0.01% | -0.14% | -0.08% | -8 bps | |
| Allowance / Loans | 1.73% | 1.43% | 1.48% | 1.13% | 1.05% | -67 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.3x | 0.4x | 0.4x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.61% | 14.06% | 13.88% | 13.94% | 13.37% | -24 bps | |
| Total Risk-Based Capital | 17.25% | 16.83% | 16.68% | 16.58% | 16.18% | -107 bps | |
| Equity / Assets | 13.44% | 14.01% | 13.59% | 13.83% | 13.48% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.29% | 96.28% | 90.21% | 87.28% | 83.43% | -1,587 bps | |
| Liquid Assets / Assets | 2.97% | 0.51% | 0.65% | 4.24% | 6.04% | +307 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |