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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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 | -0.22% | -0.96% | -1.28% | -0.95% | -4.88% | -3.32% | -2.37% | -109 bps | |
| Return on Equity | 0.66% | -2.90% | -12.62% | -16.90% | -13.04% | -72.86% | -55.63% | -43.64% | -2,674 bps | |
| Net Interest Margin | 3.65% | 3.47% | 4.15% | 3.88% | 3.44% | 2.52% | 2.99% | 2.95% | -93 bps | |
| Efficiency Ratio | 87.67% | 98.00% | 65.34% | 95.53% | 116.80% | 178.13% | 208% | 176.64% | +8,111 bps | |
| Non-Interest Burden | 3.16% | 3.41% | 1.67% | 3.69% | 4.01% | 4.67% | 6.57% | 5.54% | +184 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% | -1.21% | 0.49% | 0.34% | 10.24% | 2.36% | 1.02% | 1.00% | +66 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 |