Deforest, WI · Cert 58651
FDIC · 3 branches
Q2 2023
Market Position · Madison, WI · 2023 SOD (annual) · 1.0% share · #22 of 44 inst. · $0.3B of $26.5B
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.09% | 1.23% | 1.13% | 1.10% | 1.28% | 0.78% | 0.59% | -54 bps | |
| Return on Equity | 10.67% | 10.33% | 10.74% | 9.59% | 9.36% | 11.16% | 7.15% | 5.50% | -409 bps | |
| Net Interest Margin | 4.30% | 4.07% | 3.81% | 3.82% | 3.78% | 3.45% | 3.53% | 3.41% | -41 bps | |
| Efficiency Ratio | 53.41% | 54.60% | 60.87% | 63.63% | 64.21% | 60.98% | 73.96% | 75.66% | +1,203 bps | |
| Non-Interest Burden | 1.90% | 1.88% | 2.11% | 2.24% | 2.26% | 1.78% | 2.49% | 2.48% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.57% | -5.48% | -5.48% | -6.02% | 7.23% | 17.27% | 16.71% | 29.04% | +3,506 bps | |
| Loan Growth (YoY) | -3.29% | 5.17% | -5.36% | 3.03% | 3.32% | 12.54% | 17.65% | 23.47% | +2,044 bps | |
| Deposit Growth (YoY) | -6.11% | 0.71% | -5.27% | -7.90% | 4.99% | 15.18% | 18.25% | 27.05% | +3,495 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.10% | 0.04% | 0.13% | 0.00% | 1.00% | 0.14% | 0.00% | -13 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.18% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.51% | 2.62% | 2.75% | 2.65% | 2.55% | 2.32% | 2.34% | 2.14% | -50 bps | |
| Allowance Coverage of NPLs | 123.8x | 26.2x | 64.5x | 19.7x | n/a | 2.3x | 17.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.33% | 11.64% | 12.16% | 12.17% | 11.10% | 10.71% | 11.22% | -94 bps | |
| Total Risk-Based Capital | 13.50% | 13.54% | 14.39% | 13.98% | 14.16% | 12.77% | 13.16% | 12.23% | -175 bps | |
| Equity / Assets | 11.46% | 11.06% | 11.94% | 12.51% | 11.63% | 10.45% | 11.29% | 10.60% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 125.48% | 115.63% | 122.19% | 132.75% | 123.48% | 112.98% | 121.58% | 129.01% | -374 bps | |
| Liquid Assets / Assets | 1.29% | 4.19% | 5.84% | 0.71% | 6.05% | 5.27% | 4.92% | 1.33% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |