Wauwatosa, WI · Cert 30187
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | 0.44% | -1.56% | -0.97% | -5.52% | -5.42% | -1.03% | -0.85% | +12 bps | |
| Return on Equity | -1.55% | 3.74% | -13.52% | -8.80% | -57.05% | -65.13% | -12.97% | -10.14% | -133 bps | |
| Net Interest Margin | 3.26% | 3.29% | 3.10% | 3.71% | 2.66% | 2.88% | 2.98% | 2.37% | -134 bps | |
| Efficiency Ratio | 97.63% | 76.25% | 96.79% | 64.42% | 85.40% | 75.17% | 75.40% | 95.16% | +3,074 bps | |
| Non-Interest Burden | 3.19% | 2.50% | 3.02% | 2.35% | 2.26% | 2.15% | 2.23% | 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 | 0.30% | 0.26% | 0.91% | 0.09% | 4.00% | 3.50% | 10.93% | 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 |