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Bay View Federal Savings and Loan Association

Milwaukee, WI · Cert 29506

FDIC

Q1 2014

$135.6MAssets
$73.8MLoans
$109.8MDeposits
$19.9MEquity
Deposit mix
100%Interest-bearing $109.8M0%Noninterest $0.0MQ2 2012Q1 2014

Executive Summary

  • Earnings: ROA of 1.15%, up 24 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.62%.
  • Funding: loans stand at 67.20% of deposits as of Q1 2014.

Return on Assets (YTD, annualized)

1.15%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+26 bps YoY

Efficiency Ratio (YTD, annualized)

38.12%-778 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.93%Q1 ’123.67%Q1 ’133.83%Q1 ’14+4%+9%

Non-interest income vs. expense

1.06%Q1 ’121.10%Q1 ’131.22%Q1 ’14+33%-28%

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.91%0.98%0.97%0.91%0.95%0.92%0.89%1.15%+24 bps
Return on Equityn/an/an/a6.67%6.93%6.73%6.43%7.89%+122 bps
Net Interest Margin2.68%2.69%2.74%2.80%2.75%2.73%2.79%3.07%+26 bps
Efficiency Ratio36.67%35.56%38.61%45.90%44.06%42.29%45.01%38.12%-778 bps
Non-Interest Burden0.98%0.94%1.07%1.50%1.37%1.25%1.32%1.08%-42 bps
Growth
Asset Growth (YoY)8.12%3.66%1.67%-1.22%-0.56%-0.08%-0.58%0.09%+131 bps
Loan Growth (YoY)0.76%0.46%-0.52%-0.36%5.55%5.45%4.78%1.99%+235 bps
Deposit Growth (YoY)6.72%3.95%0.17%-2.67%-2.83%-2.63%-3.18%-2.88%-21 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.49%0.24%0.22%1.06%0.62%+13 bps
Allowance / Loans1.93%2.06%2.02%1.86%1.84%2.04%1.24%1.22%-64 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital32.18%34.56%35.41%35.75%35.22%36.05%36.20%36.82%+106 bps
Equity / Assets12.70%13.01%13.50%13.70%13.76%13.95%14.48%14.65%+94 bps
Liquidity & Funding
Loans / Deposits60.94%60.94%62.89%63.99%66.20%66.00%68.06%67.20%+321 bps
Liquid Assets / Assets35.05%36.15%36.54%36.77%33.96%34.12%35.11%35.08%-169 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a