Milwaukee, WI · Cert 30125
FDIC · 63 branches
Q1 2018
Market Position · Milwaukee-Waukesha-West Allis, WI · 2017 SOD (annual) · 1.1% share · #12 of 47 inst. · $0.8B of $70.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.69% | 0.63% | 0.55% | 0.66% | 0.70% | 0.32% | -0.67% | -122 bps | |
| Return on Equity | 6.36% | 6.98% | 6.41% | 5.61% | 6.81% | 7.08% | 3.25% | -4.70% | -1,031 bps | |
| Net Interest Margin | 2.74% | 2.84% | 2.81% | 2.82% | 2.85% | 2.92% | 2.96% | 3.28% | +46 bps | |
| Efficiency Ratio | 68.77% | 66.73% | 68.63% | 74.34% | 69.35% | 68.26% | 62.18% | 116.72% | +4,238 bps | |
| Non-Interest Burden | 1.53% | 1.55% | 1.60% | 1.88% | 1.72% | 1.74% | 1.52% | 3.75% | +187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.31% | 7.55% | 5.86% | 5.33% | 3.44% | 1.55% | -0.34% | -10.44% | -1,577 bps | |
| Loan Growth (YoY) | 13.83% | 14.35% | 11.80% | 10.09% | 7.89% | 2.94% | -0.37% | -6.43% | -1,651 bps | |
| Deposit Growth (YoY) | 5.69% | 7.32% | 4.01% | 5.03% | 2.85% | 2.96% | 0.43% | -8.27% | -1,330 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.45% | 0.37% | 0.40% | 0.26% | 1.26% | +82 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.06% | 0.01% | 0.00% | 0.02% | 0.04% | 0.01% | 0 bps | |
| Allowance / Loans | 0.95% | 0.98% | 1.01% | 1.03% | 1.03% | 1.05% | 1.03% | 0.08% | -95 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.3x | 2.8x | 2.6x | 4.0x | 0.1x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 9.98% | 10.09% | 10.17% | 10.15% | 10.18% | 10.33% | 11.30% | +113 bps | |
| Total Risk-Based Capital | 13.98% | 13.90% | 14.14% | 14.26% | 14.21% | 14.80% | 15.33% | 12.94% | -132 bps | |
| Equity / Assets | 9.92% | 9.86% | 9.78% | 9.78% | 9.76% | 9.94% | 9.95% | 19.08% | +930 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.53% | 101.13% | 102.92% | 102.13% | 104.40% | 101.11% | 102.10% | 104.18% | +205 bps | |
| Liquid Assets / Assets | 4.65% | 4.60% | 4.23% | 4.10% | 4.04% | 4.44% | 4.29% | 1.46% | -264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |