Pewaukee, WI · Cert 34347
FDIC · 1 branch
Q3 2014
Market Position · Milwaukee-Waukesha-West Allis, WI · 2014 SOD (annual) · 0.3% share · #31 of 53 inst. · $0.2B of $61.9B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | 2.00% | 1.86% | 1.48% | 0.98% | 1.44% | 2.53% | 2.35% | +88 bps | |
| Return on Equity | -2.73% | 16.03% | 14.83% | 11.74% | 7.84% | 11.38% | 19.25% | 17.40% | +566 bps | |
| Net Interest Margin | 3.47% | 3.61% | 3.85% | 3.93% | 3.78% | 3.29% | 3.48% | 3.61% | -32 bps | |
| Efficiency Ratio | 66.74% | 47.37% | 49.15% | 48.89% | 50.37% | 62.73% | 57.56% | 57.68% | +879 bps | |
| Non-Interest Burden | 2.49% | 1.54% | 1.81% | 1.84% | 1.85% | 2.01% | 1.96% | 2.04% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.93% | -9.67% | -13.33% | -9.54% | -5.39% | -5.82% | -3.97% | -5.77% | +377 bps | |
| Loan Growth (YoY) | -8.55% | -5.87% | -5.99% | 1.11% | -9.04% | -11.45% | -9.01% | -6.89% | -800 bps | |
| Deposit Growth (YoY) | -6.49% | -7.67% | -15.04% | -11.34% | -5.98% | -6.36% | -6.52% | -10.85% | +49 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 | 1.83% | -0.07% | -0.08% | -0.05% | 1.31% | 1.97% | -0.17% | -0.28% | -22 bps | |
| Allowance / Loans | 2.55% | 2.58% | 2.74% | 3.18% | 2.58% | 2.09% | 2.12% | 2.14% | -104 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 | 14.54% | 15.14% | 15.16% | 15.38% | 15.48% | 16.00% | 16.69% | 16.85% | +146 bps | |
| Equity / Assets | 12.15% | 12.78% | 12.72% | 12.72% | 12.40% | 12.95% | 14.19% | 14.66% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.23% | 112.11% | 115.07% | 111.74% | 105.67% | 106.01% | 112.01% | 116.70% | +496 bps | |
| Liquid Assets / Assets | 0.09% | 0.09% | 0.09% | 0.09% | 0.00% | 0.36% | 0.37% | 0.38% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |