Milwaukee, WI · Cert 26218
FDIC · 5 branches
Q1 2020
Market Position · Milwaukee-Waukesha, WI · 2019 SOD (annual) · 1.3% share · #12 of 46 inst. · $0.8B of $63.1B
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.72% | 1.92% | 1.84% | 0.87% | -89 bps | |
| Return on Equity | 16.13% | 15.29% | 16.90% | 16.40% | 6.58% | -955 bps | |
| Net Interest Margin | 3.59% | 3.63% | 3.60% | 3.29% | 3.29% | -30 bps | |
| Efficiency Ratio | 51.56% | 52.85% | 48.61% | 49.65% | 55.01% | +344 bps | |
| Non-Interest Burden | 1.68% | 1.74% | 1.55% | 1.44% | 1.56% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.70% | 2.37% | 7.15% | 12.04% | 16.41% | +672 bps | |
| Loan Growth (YoY) | 3.74% | 6.51% | 4.48% | 9.07% | 35.29% | +3,155 bps | |
| Deposit Growth (YoY) | 10.04% | 1.66% | 5.79% | 12.80% | 11.31% | +127 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 2.17% | 1.07% | 0.63% | 0.41% | -20 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.23% | 0.15% | 0.45% | 0.00% | -47 bps | |
| Allowance / Loans | 1.23% | 1.18% | 1.18% | 0.82% | 1.74% | +52 bps | |
| Allowance Coverage of NPLs | 2.0x | 0.5x | 1.1x | 1.3x | 4.2x | +2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.50% | 11.94% | 11.90% | 11.05% | 11.59% | +8 bps | |
| Total Risk-Based Capital | 15.14% | 14.94% | 15.32% | 14.91% | 13.83% | -131 bps | |
| Equity / Assets | 11.44% | 12.01% | 11.68% | 10.56% | 16.02% | +458 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.69% | 86.09% | 80.33% | 72.88% | 100.51% | +1,781 bps | |
| Liquid Assets / Assets | 10.46% | 7.88% | 13.17% | 22.73% | 9.15% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |