PackageTrendsPeer
Letter portraitLegal landscape

First Business Bank - Milwaukee

Brookfield, WI · Cert 35445

FDIC · 1 branch

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Business Bank - Milwaukee

Brookfield, WI · Cert 35445

FDIC · 1 branch

Q1 2017

$253.6MAssets
$199.8MLoans
$229.7MDeposits
$22.6MEquity
Loan mix
51%RE $65.7M48%C&I $61.7M0%Consumer $0.3MQ1 2016Q1 2017
Deposit mix
82%Interest-bearing $189.3M18%Noninterest $40.4MQ1 2016Q1 2017

NIM

2.82%Q1 ’152.88%Q1 ’163.29%Q1 ’17+6%+21%

Non-interest income vs. expense

2.73%Q1 ’152.50%Q1 ’162.56%Q1 ’17-8%-7%

Market Position · Milwaukee-Waukesha-West Allis, WI · 2016 SOD (annual) · 0.4% share · #24 of 51 inst. · $0.3B of $64.7B

Executive Summary

  • Earnings: ROA of 0.68%, up 45 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 2.25% of loans (+225 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.93%, up 155 bps from a year ago.
  • Funding: loans stand at 86.98% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.68%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+51 bps YoY

Efficiency Ratio (YTD, annualized)

70.66%-1,533 bps YoY

Tier 1 Leverage Ratio

8.93%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.23%0.17%0.29%0.58%0.68%+45 bps
Return on Equity3.05%2.42%3.83%7.38%7.75%+470 bps
Net Interest Margin2.43%2.07%2.43%3.15%2.94%+51 bps
Efficiency Ratio85.99%86.13%81.61%73.00%70.66%-1,533 bps
Non-Interest Burden2.02%1.73%1.90%2.14%1.88%-14 bps
Growth
Asset Growth (YoY)10.61%31.42%-0.51%-0.15%-4.72%-1,533 bps
Loan Growth (YoY)19.42%30.50%26.19%27.95%29.86%+1,044 bps
Deposit Growth (YoY)10.73%32.61%-1.65%-1.59%-6.59%-1,732 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%2.25%+225 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.02%-0.02%-1 bps
Allowance / Loans1.18%1.12%1.15%1.09%1.04%-14 bps
Allowance Coverage of NPLsn/an/an/an/a0.5xn/an/a
Capital
Tier 1 Leverage Ratio7.38%6.80%7.62%9.15%8.93%+155 bps
Total Risk-Based Capital11.74%11.30%11.12%11.02%10.51%-123 bps
Equity / Assets7.34%6.89%8.92%8.64%8.92%+158 bps
Liquidity & Funding
Loans / Deposits62.56%62.32%82.53%79.33%86.98%+2,441 bps
Liquid Assets / Assets27.15%31.21%5.39%9.08%2.97%-2,418 bps
CRE / Total Capitaln/an/an/an/an/an/an/a