Milwaukee, WI · Cert 34833
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Milwaukee, WI · Cert 34833
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 11.68% | 11.57% | 15.48% | 13.96% | 0.15% | 2.44% | 6.87% | 12.30% | -166 bps | |
| Return on Equity | 16.98% | 16.98% | 22.29% | 19.78% | 0.22% | 3.56% | 10.19% | 17.88% | -190 bps | |
| Net Interest Margin | 0.46% | 0.42% | 0.38% | 0.38% | 0.05% | 0.08% | 0.07% | 0.17% | -21 bps | |
| Efficiency Ratio | 86.47% | 86.42% | 82.52% | 84.28% | 85.32% | 84.74% | 83.56% | 81.04% | -324 bps | |
| Non-Interest Burden | -18.89% | -17.84% | -25.00% | -22.99% | -4.76% | -7.52% | -14.23% | -17.36% | +563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.65% | 18.06% | 5.35% | 14.35% | 35.89% | 34.34% | 37.58% | 34.73% | +2,037 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 71.58% | 68.76% | 83.16% | 81.00% | 98.52% | 88.96% | 95.67% | 97.81% | +1,680 bps | |
| Equity / Assets | 66.91% | 65.79% | 73.30% | 72.77% | 67.39% | 65.69% | 69.16% | 71.53% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |