PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Financial Bank, National Association

Hales Corners, WI · Cert 3753

FDIC

Q3 2005

$1.7BAssets
$997.1MLoans
$1.1BDeposits
$161.9MEquity
Loan mix
62%RE $225.4M37%C&I $135.1M0%Consumer $1.3MQ3 2004Q3 2005
Deposit mix
82%Interest-bearing $864.6M18%Noninterest $186.2MQ3 2004Q3 2005

NIM

4.57%Q3 ’034.41%Q3 ’045.29%Q3 ’05-1%+17%

Non-interest income vs. expense

2.86%Q3 ’032.29%Q3 ’042.79%Q3 ’05+1%+36%

Executive Summary

  • Earnings: ROA of 0.86%, down 13 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 94.89% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.86%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+53 bps YoY

Efficiency Ratio (YTD, annualized)

62.87%+433 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.00%1.02%1.18%1.19%0.86%-13 bps
Return on Equity9.79%9.93%10.94%11.01%8.20%-159 bps
Net Interest Margin3.15%3.31%3.52%3.63%3.69%+53 bps
Efficiency Ratio58.54%58.36%55.65%55.08%62.87%+433 bps
Non-Interest Burden1.54%1.61%1.68%1.72%2.10%+56 bps
Growth
Asset Growth (YoY)24.39%1.39%-1.68%-6.53%2.80%-2,160 bps
Loan Growth (YoY)18.09%7.05%7.82%11.89%7.21%-1,088 bps
Deposit Growth (YoY)17.23%5.12%3.23%0.11%-1.19%-1,842 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.08%0.00%0.03%0.35%+31 bps
Allowance / Loans1.32%1.32%1.32%1.33%1.33%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.19%11.67%11.90%11.75%11.56%+37 bps
Equity / Assets9.71%10.78%10.86%10.85%9.72%+1 bps
Liquidity & Funding
Loans / Deposits87.45%86.56%89.40%93.87%94.89%+744 bps
Liquid Assets / Assets0.13%0.13%0.13%0.13%0.08%-5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a