Milwaukee, WI · Cert 18425
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 18425
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.19% | -0.33% | -0.25% | -0.12% | -0.16% | 0.26% | 0.35% | +60 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.68% | 1.96% | n/a | |
| Net Interest Margin | n/a | n/a | 3.71% | 3.91% | 3.70% | 3.59% | 2.06% | 2.53% | -138 bps | |
| Efficiency Ratio | n/a | n/a | 101.00% | 99.25% | 97.58% | 99.61% | 88.85% | 89.44% | -981 bps | |
| Non-Interest Burden | n/a | n/a | 3.75% | 3.88% | 3.59% | 3.58% | 1.82% | 2.27% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.34% | 27.08% | 15.42% | 11.62% | 22.83% | 14.37% | 5.55% | -3.51% | -1,513 bps | |
| Loan Growth (YoY) | 41.98% | 41.36% | 42.17% | 26.73% | 14.12% | 11.30% | 0.61% | -18.77% | -4,550 bps | |
| Deposit Growth (YoY) | 7.46% | 13.50% | 6.60% | 6.17% | 44.46% | 25.02% | -0.68% | -11.41% | -1,758 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.00% | 0.00% | -0.01% | 0.02% | -0.04% | -0.25% | -25 bps | |
| Allowance / Loans | n/a | n/a | 1.69% | 1.73% | 1.76% | 1.71% | 2.23% | 2.69% | +96 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | 13.41% | 12.97% | 12.17% | 14.76% | 15.51% | 18.71% | +575 bps | |
| Equity / Assets | n/a | n/a | 9.67% | 9.35% | 8.16% | 9.93% | 21.24% | 23.06% | +1,371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.46% | 84.21% | 89.77% | 90.29% | 70.67% | 74.98% | 90.93% | 82.79% | -750 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.03% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |