Wauwatosa, WI · Cert 30187
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Wauwatosa, WI · Cert 30187
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.50% | -0.02% | -0.97% | -3.27% | -4.01% | -3.29% | -0.85% | +12 bps | |
| Return on Equity | 4.47% | 4.21% | -0.19% | -8.80% | -32.06% | -41.50% | -35.25% | -10.14% | -133 bps | |
| Net Interest Margin | 3.03% | 3.09% | 3.02% | 3.71% | 3.11% | 3.01% | 3.15% | 2.37% | -134 bps | |
| Efficiency Ratio | 83.60% | 81.26% | 84.25% | 64.42% | 73.33% | 73.92% | 74.27% | 95.16% | +3,074 bps | |
| Non-Interest Burden | 2.44% | 2.44% | 2.53% | 2.35% | 2.26% | 2.21% | 2.32% | 2.25% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.53% | 7.83% | 4.48% | 2.85% | 11.88% | 0.78% | -2.54% | -12.78% | -1,563 bps | |
| Loan Growth (YoY) | 62.45% | 24.70% | 22.18% | 3.65% | 8.39% | 2.77% | 1.55% | -3.38% | -703 bps | |
| Deposit Growth (YoY) | 44.80% | 6.73% | -4.56% | -10.90% | 3.47% | 3.75% | 10.68% | 8.26% | +1,916 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.58% | -0.29% | 0.00% | 0.09% | 2.04% | 2.57% | 4.78% | 2.82% | +273 bps | |
| Allowance / Loans | 2.18% | 2.17% | 2.72% | 3.08% | 4.00% | 5.64% | 3.67% | 3.59% | +51 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.62% | 15.78% | 14.79% | 14.27% | 12.47% | 12.19% | 13.31% | 13.32% | -95 bps | |
| Equity / Assets | 12.07% | 11.71% | 11.30% | 10.80% | 8.60% | 8.02% | 7.93% | 8.91% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.69% | 89.05% | 89.21% | 94.52% | 95.00% | 88.21% | 81.85% | 84.36% | -1,017 bps | |
| Liquid Assets / Assets | 0.84% | 0.24% | 0.05% | 0.53% | 0.17% | 0.88% | 0.40% | 2.71% | +218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |