PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Liberty Bank

Milwaukee, WI · Cert 19781

FDIC

Q2 2001

$93.9MAssets
$75.7MLoans
$84.4MDeposits
$8.4MEquity
Loan mix
32%RE $17.2M68%C&I $36.9M1%Consumer $0.3MQ2 2000Q2 2001
Deposit mix
83%Interest-bearing $70.0M17%Noninterest $14.4MQ2 2000Q2 2001

NIM

7.83%Q1 ’017.75%Q2 ’01+3%

Non-interest income vs. expense

3.03%Q1 ’013.29%Q2 ’01+11%

Executive Summary

  • Earnings: ROA of 0.66%, down 11 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 89.69% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.66%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.78%

Efficiency Ratio (YTD, annualized)

75.53%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.77%0.84%0.67%0.69%0.66%-11 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.66%3.78%n/a
Efficiency Ration/an/an/a71.26%75.53%n/a
Non-Interest Burdenn/an/an/a2.43%2.71%n/a
Growth
Asset Growth (YoY)25.82%17.22%15.66%8.53%3.57%-2,225 bps
Loan Growth (YoY)32.64%27.58%20.22%14.65%13.77%-1,888 bps
Deposit Growth (YoY)29.17%18.11%14.43%11.14%2.14%-2,703 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.03%0.02%n/a
Allowance / Loansn/an/an/a1.25%1.21%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a11.09%11.16%n/a
Equity / Assetsn/an/an/a8.83%8.94%n/a
Liquidity & Funding
Loans / Deposits80.52%82.84%84.85%86.73%89.69%+917 bps
Liquid Assets / Assets0.00%0.00%0.00%1.87%1.78%+178 bps
CRE / Total Capitaln/an/an/an/an/an/an/a