Milwaukee, WI · Cert 30003
FDIC · 123 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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 30003
FDIC · 123 branches
Q1 2017
Market Position · Milwaukee-Waukesha-West Allis, WI · 2016 SOD (annual) · 1.0% share · #15 of 51 inst. · $0.7B of $64.7B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | 0.24% | -0.04% | -0.34% | -0.24% | -0.70% | -0.41% | 0.44% | +78 bps | |
| Return on Equity | -9.68% | 9.61% | -1.55% | -14.44% | -9.95% | -31.05% | -18.66% | 21.50% | +3,594 bps | |
| Net Interest Margin | 2.59% | 2.71% | 2.78% | 3.05% | 3.03% | 3.08% | 3.12% | 3.19% | +14 bps | |
| Efficiency Ratio | 103.68% | 103.47% | 104.09% | 103.51% | 100.19% | 103.23% | 100.56% | 93.86% | -965 bps | |
| Non-Interest Burden | 2.92% | 3.03% | 3.16% | 3.37% | 3.05% | 3.38% | 3.17% | 2.57% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.57% | -5.54% | 0.33% | -2.57% | -2.69% | -0.62% | -2.45% | 0.67% | +323 bps | |
| Loan Growth (YoY) | 33.47% | 36.69% | 21.34% | 18.54% | 9.71% | 7.18% | -1.10% | -2.91% | -2,145 bps | |
| Deposit Growth (YoY) | -5.52% | -4.70% | -0.65% | -2.41% | -2.63% | 0.28% | -3.08% | 0.99% | +339 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.54% | +454 bps | |
| Net Charge-Offs / Loans | 0.84% | 0.86% | 0.89% | 0.90% | 0.70% | 0.67% | 0.68% | 0.39% | -51 bps | |
| Allowance / Loans | 2.68% | 1.79% | 1.64% | 1.36% | 1.36% | 1.41% | 1.46% | 1.40% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 2.25% | 2.59% | 2.39% | 2.31% | 2.27% | 1.88% | 2.00% | 2.10% | -21 bps | |
| Total Risk-Based Capital | 4.86% | 5.16% | 4.79% | 4.56% | 4.54% | 3.91% | 4.27% | 4.37% | -18 bps | |
| Equity / Assets | 2.33% | 2.70% | 2.39% | 2.34% | 2.37% | 1.96% | 2.03% | 2.09% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.53% | 76.01% | 75.18% | 77.16% | 79.47% | 81.24% | 76.72% | 74.18% | -298 bps | |
| Liquid Assets / Assets | 14.65% | 8.97% | 11.15% | 7.58% | 4.97% | 3.23% | 10.57% | 10.62% | +304 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |