Milwaukee, WI · Cert 34818
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.11% | -2.10% | -24.89% | 1.07% | -7.59% | -5.18% | -5.87% | +1,902 bps | |
| Return on Equity | 2.09% | 1.09% | -20.10% | -330% | 23.07% | -182.86% | -170.94% | -299% | +3,121 bps | |
| Net Interest Margin | 3.37% | 3.40% | 3.68% | 4.09% | 3.91% | 3.26% | 2.51% | 2.86% | -122 bps | |
| Efficiency Ratio | 58.74% | 58.27% | 67.90% | 47.98% | 67.97% | 172.79% | 95.74% | 149.97% | +10,199 bps | |
| Non-Interest Burden | 1.79% | 1.78% | 2.36% | 0.86% | 2.49% | 5.92% | 2.39% | 4.46% | +360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.40% | 13.86% | 7.59% | -0.84% | 2.20% | -10.07% | -11.13% | -15.06% | -1,421 bps | |
| Loan Growth (YoY) | 18.77% | 8.58% | 1.59% | -5.03% | -8.12% | -8.86% | -10.80% | -8.26% | -323 bps | |
| Deposit Growth (YoY) | 20.95% | 12.66% | 7.84% | 9.24% | 15.34% | 5.03% | 4.47% | -11.58% | -2,082 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 | 5.19% | -1.54% | 2.36% | 18.85% | 0.95% | 0.36% | 1.59% | 1.04% | -1,780 bps | |
| Allowance / Loans | 1.64% | 2.55% | 3.60% | 8.05% | 7.99% | 9.75% | 11.53% | 12.95% | +491 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 | 13.63% | 13.45% | 14.26% | 6.90% | 7.44% | 5.64% | 4.30% | 1.75% | -515 bps | |
| Equity / Assets | 10.43% | 10.42% | 10.50% | 4.50% | 4.78% | 3.44% | 2.60% | 1.27% | -322 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.48% | 94.36% | 95.62% | 83.03% | 75.26% | 81.87% | 81.64% | 86.14% | +311 bps | |
| Liquid Assets / Assets | 1.68% | 1.60% | 1.61% | 3.42% | 2.90% | 2.01% | 4.54% | 7.48% | +406 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |