Milwaukee, WI · Cert 13029
FDIC · 3 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Milwaukee, WI · Cert 13029
FDIC · 3 branches
Q3 2020
Market Position · Milwaukee-Waukesha, WI · 2020 SOD (annual) · 0.1% share · #42 of 48 inst. · $0.0B of $76.4B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.59% | 0.43% | 0.44% | 0.44% | -0.02% | 0.11% | 0.10% | -34 bps | |
| Return on Equity | 5.55% | 3.27% | 2.41% | 2.45% | 2.46% | -0.09% | 0.63% | 0.57% | -188 bps | |
| Net Interest Margin | 3.25% | 3.41% | 3.32% | 3.32% | 3.26% | 2.79% | 2.80% | 2.50% | -81 bps | |
| Efficiency Ratio | 89.05% | 81.43% | 85.73% | 85.06% | 85.02% | 100.52% | 95.35% | 95.65% | +1,059 bps | |
| Non-Interest Burden | 2.75% | 2.58% | 2.72% | 2.70% | 2.64% | 2.79% | 2.64% | 2.37% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.12% | -4.39% | -3.32% | 1.74% | 0.84% | 1.98% | 11.19% | 17.55% | +1,581 bps | |
| Loan Growth (YoY) | -11.78% | -7.58% | -7.95% | -16.54% | -15.87% | -8.81% | 7.01% | 21.51% | +3,806 bps | |
| Deposit Growth (YoY) | -9.47% | -6.04% | -5.47% | 2.18% | 1.11% | 2.23% | 13.37% | 21.19% | +1,901 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.34% | 0.32% | 0.34% | 0.32% | 0.28% | 0.15% | 0.14% | -21 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.05% | 0.01% | 0.00% | -0.01% | -0.03% | 0.16% | 0.13% | +13 bps | |
| Allowance / Loans | 1.23% | 1.23% | 1.26% | 1.46% | 1.46% | 1.38% | 1.10% | 1.11% | -35 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.7x | 4.0x | 4.2x | 4.6x | 4.9x | 7.6x | 8.2x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.37% | 17.34% | 16.85% | 17.03% | 17.05% | 17.47% | 16.29% | 15.11% | -193 bps | |
| Total Risk-Based Capital | 51.49% | 51.47% | 52.37% | 61.31% | 61.15% | 54.18% | 60.48% | 62.04% | +74 bps | |
| Equity / Assets | 18.36% | 17.70% | 17.73% | 17.53% | 18.16% | 17.52% | 16.13% | 15.01% | -252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.36% | 41.29% | 40.80% | 34.66% | 36.08% | 36.83% | 38.51% | 34.75% | +9 bps | |
| Liquid Assets / Assets | 57.53% | 59.20% | 58.53% | 64.57% | 64.11% | 61.04% | 62.25% | 64.91% | +33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |