Liberty Bank

Milwaukee, WI · Cert 19781

FDIC

Q2 2001

$93.9MAssets

$75.7MLoans

$84.4MDeposits

$8.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.63%, down 14 bps year over year; NIM at 3.81%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 89.69% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

0.63%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.81%

Efficiency Ratio (quarter, annualized)

79.80%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.10%	1.17%	0.53%	0.77%	0.84%	0.67%	0.69%	0.63%	-14 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.05%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	3.66%	3.81%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	71.26%	79.80%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	2.43%	2.93%	n/a
Growth
Asset Growth (YoY)	17.37%	15.70%	25.38%	25.82%	17.22%	15.66%	8.53%	3.57%	-2,225 bps
Loan Growth (YoY)	38.32%	47.23%	42.23%	32.64%	27.58%	20.22%	14.65%	13.77%	-1,888 bps
Deposit Growth (YoY)	19.94%	17.19%	24.93%	29.17%	18.11%	14.43%	11.14%	2.14%	-2,703 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	n/a	n/a	n/a	n/a	0.03%	0.01%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.25%	1.21%	n/a
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	n/a	n/a	n/a	n/a	11.09%	11.16%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	8.83%	8.94%	n/a
Liquidity & Funding
Loans / Deposits	76.69%	80.77%	84.07%	80.52%	82.84%	84.85%	86.73%	89.69%	+917 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.87%	1.78%	+178 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a