Milwaukee, WI · Cert 20364
FDIC · 2 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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 20364
FDIC · 2 branches
Q4 2015
Market Position · Milwaukee-Waukesha-West Allis, WI · 2015 SOD (annual) · 0.1% share · #45 of 52 inst. · $0.1B of $64.1B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05%1 | -0.08% | -0.37% | -0.59% | -0.95% | -2.92% | -3.04% | -2.88% | -229 bps | |
| Return on Equity | 0.66% | -1.12% | -4.92% | -7.83% | -13.04% | -41.96% | -45.80% | -45.23% | -3,740 bps | |
| Net Interest Margin | 3.65% | 3.51% | 3.87% | 3.85% | 3.44% | 3.02% | 3.10% | 3.20% | -66 bps | |
| Efficiency Ratio | 87.67% | 92.54% | 79.56% | 83.16% | 116.80% | 142.82% | 163.65% | 166.86% | +8,370 bps | |
| Non-Interest Burden | 3.16% | 3.24% | 2.85% | 3.05% | 4.01% | 4.37% | 5.28% | 5.46% | +241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.59% | -11.26% | -11.16% | -5.93% | -3.07% | -10.25% | -8.52% | -10.80% | -488 bps | |
| Loan Growth (YoY) | -3.79% | -3.31% | -3.08% | -8.88% | -11.62% | -17.19% | -20.50% | -21.33% | -1,245 bps | |
| Deposit Growth (YoY) | -8.24% | -10.84% | -12.08% | -5.83% | -2.47% | -9.22% | -6.64% | -8.90% | -307 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 | 7.02% | 2.94% | 2.10% | 1.77% | 10.24% | 6.69% | 4.93% | 4.26% | +248 bps | |
| Allowance / Loans | 2.99% | 3.58% | 4.79% | 5.88% | 4.04% | 6.12% | 6.78% | 7.59% | +171 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 | 5.41% | 3.42% | 2.20% | 1.27% | n/a | |
| Total Risk-Based Capital | 10.70% | 10.95% | 10.83% | 9.91% | 7.79% | 5.57% | 4.11% | 2.95% | -696 bps | |
| Equity / Assets | 7.50% | 7.61% | 7.60% | 7.50% | 7.03% | 6.34% | 5.61% | 5.22% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.62% | 78.39% | 82.04% | 78.24% | 70.34% | 71.52% | 69.86% | 67.56% | -1,067 bps | |
| Liquid Assets / Assets | 0.04% | 0.05% | 0.03% | 0.05% | 0.06% | 0.03% | 0.00% | 0.32% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |