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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.78% | 1.75% | 1.76% | 1.70% | 2.36% | 1.65% | 0.87% | -89 bps | |
| Return on Equity | 15.32% | 16.82% | 16.68% | 16.13% | 14.49% | 19.93% | 14.85% | 6.58% | -955 bps | |
| Net Interest Margin | 3.56% | 3.53% | 3.52% | 3.59% | 3.60% | 3.79% | 3.25% | 3.29% | -30 bps | |
| Efficiency Ratio | 55.19% | 54.74% | 56.01% | 51.56% | 54.15% | 40.88% | 52.72% | 55.01% | +344 bps | |
| Non-Interest Burden | 1.78% | 1.75% | 1.79% | 1.68% | 1.77% | 1.28% | 1.51% | 1.56% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.47% | 7.00% | 6.75% | 9.70% | 2.37% | 7.15% | 12.04% | 16.41% | +672 bps | |
| Loan Growth (YoY) | 10.29% | 10.90% | 4.37% | 3.74% | 6.51% | 4.48% | 9.07% | 35.29% | +3,155 bps | |
| Deposit Growth (YoY) | 7.04% | 10.20% | 7.22% | 10.04% | 1.66% | 5.79% | 12.80% | 11.31% | +127 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 1.01% | 0.80% | 0.61% | 2.17% | 1.07% | 0.63% | 0.41% | -20 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.13% | 0.62% | 0.47% | 0.00% | 0.00% | 1.34% | 0.00% | -47 bps | |
| Allowance / Loans | 1.50% | 1.51% | 1.38% | 1.23% | 1.18% | 1.18% | 0.82% | 1.74% | +52 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.5x | 1.7x | 2.0x | 0.5x | 1.1x | 1.3x | 4.2x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.76% | 11.38% | 10.98% | 11.50% | 11.94% | 11.90% | 11.05% | 11.59% | +8 bps | |
| Total Risk-Based Capital | 14.63% | 14.93% | 15.21% | 15.14% | 14.94% | 15.32% | 14.91% | 13.83% | -131 bps | |
| Equity / Assets | 10.63% | 10.56% | 10.40% | 11.44% | 12.01% | 11.68% | 10.56% | 16.02% | +458 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.17% | 81.34% | 75.38% | 82.69% | 86.09% | 80.33% | 72.88% | 100.51% | +1,781 bps | |
| Liquid Assets / Assets | 7.39% | 9.11% | 15.91% | 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 | n/a | n/a | n/a |