Milwaukee, WI · Cert 12515
FDIC · 4 branches
Q3 2018
Market Position · Milwaukee-Waukesha-West Allis, WI · 2018 SOD (annual) · 0.3% share · #30 of 47 inst. · $0.2B of $62.4B
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.42% | 0.49% | 0.54% | -0.42% | -101 bps | |
| Return on Equity | 5.19% | 3.69% | 4.46% | 4.97% | -3.94% | -912 bps | |
| Net Interest Margin | 3.21% | 3.22% | 3.23% | 3.23% | 3.22% | +1 bps | |
| Efficiency Ratio | 83.35% | 80.12% | 79.88% | 78.90% | 117.36% | +3,401 bps | |
| Non-Interest Burden | 2.55% | 2.46% | 2.50% | 2.47% | 3.75% | +120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.45% | 3.95% | 6.61% | 5.59% | 6.32% | -513 bps | |
| Loan Growth (YoY) | 13.05% | 7.64% | 13.49% | 13.63% | 11.90% | -115 bps | |
| Deposit Growth (YoY) | 6.67% | 3.14% | 11.13% | 9.11% | 6.38% | -29 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.21% | 0.28% | 0.75% | 0.71% | 0.24% | -98 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.12% | -0.02% | -0.05% | -0.04% | +1 bps | |
| Allowance / Loans | 1.56% | 1.21% | 1.17% | 1.14% | 1.11% | -45 bps | |
| Allowance Coverage of NPLs | 1.3x | 4.4x | 1.6x | 1.6x | 4.7x | +3.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.42% | 9.71% | 9.68% | 9.60% | 8.83% | -59 bps | |
| Total Risk-Based Capital | 13.09% | 13.23% | 13.11% | 12.83% | 11.84% | -125 bps | |
| Equity / Assets | 11.36% | 11.23% | 10.83% | 10.76% | 10.03% | -133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.14% | 107.81% | 105.22% | 106.35% | 109.54% | +540 bps | |
| Liquid Assets / Assets | 2.67% | 0.60% | 1.17% | 0.49% | 0.56% | -211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |