Waukesha, WI · Cert 35043
FDIC · 2 branches
Q1 2021
Market Position · Milwaukee-Waukesha, WI · 2020 SOD (annual) · 0.2% share · #35 of 48 inst. · $0.1B of $76.4B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.32% | 0.43% | 0.50% | -0.08% | -24 bps | |
| Return on Equity | 1.33% | 2.70% | 3.67% | 4.27% | -0.67% | -200 bps | |
| Net Interest Margin | 2.60% | 2.58% | 2.57% | 2.65% | 2.84% | +23 bps | |
| Efficiency Ratio | 92.73% | 87.01% | 83.59% | 81.99% | 84.34% | -839 bps | |
| Non-Interest Burden | 2.33% | 2.09% | 1.95% | 1.92% | 2.04% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.14% | 7.77% | 8.17% | 4.53% | 8.24% | +610 bps | |
| Loan Growth (YoY) | -5.78% | -0.12% | 0.99% | -4.80% | -9.43% | -365 bps | |
| Deposit Growth (YoY) | 3.60% | 8.21% | 9.06% | 5.09% | 9.06% | +546 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.79% | 0.79% | 0.67% | 0.05% | -79 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 1.62% | +161 bps | |
| Allowance / Loans | 0.95% | 0.91% | 0.95% | 1.08% | 1.15% | +20 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.2x | 1.6x | 25.0x | +23.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.99% | 10.73% | 10.66% | 10.57% | 10.54% | -45 bps | |
| Total Risk-Based Capital | 10.99% | 10.73% | 10.66% | 10.57% | 10.54% | -45 bps | |
| Equity / Assets | 12.14% | 11.52% | 11.38% | 11.76% | 11.38% | -76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.03% | 85.28% | 82.89% | 78.10% | 70.61% | -1,442 bps | |
| Liquid Assets / Assets | 5.24% | 4.61% | 5.34% | 9.31% | 11.96% | +672 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |