Milwaukee, WI · Cert 18694
FDIC
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07%1 | 0.05% | 0.01% | -0.11% | -0.21% | -29 bps | |
| Return on Equity | 1.03% | 0.64% | 0.08% | -1.45% | -2.72% | -375 bps | |
| Net Interest Margin | 4.18% | 2.98% | 3.08% | 2.99% | 3.02% | -117 bps | |
| Efficiency Ratio | 94.61% | 98.78% | 100.38% | 97.51% | 102.45% | +783 bps | |
| Non-Interest Burden | 3.87% | 2.93% | 3.10% | 2.88% | 3.13% | -74 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.27% | 10.77% | 10.37% | 1.10% | 1.24% | -602 bps | |
| Loan Growth (YoY) | -18.92% | 1.52% | 7.86% | -4.08% | -15.34% | +358 bps | |
| Deposit Growth (YoY) | 10.22% | 13.92% | 14.08% | 5.52% | 3.49% | -672 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.66% | 0.09% | 0.12% | 0.16% | 0.17% | -49 bps | |
| Allowance / Loans | 1.18% | 1.03% | 1.07% | 1.12% | 1.35% | +17 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.68% | 14.70% | 14.67% | 15.87% | 15.97% | +129 bps | |
| Equity / Assets | 7.96% | 7.68% | 7.82% | 7.73% | 7.50% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.50% | 67.79% | 66.25% | 62.65% | 51.94% | -1,155 bps | |
| Liquid Assets / Assets | 25.42% | 17.29% | 13.31% | 12.43% | 14.89% | -1,053 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |