Hales Corners, WI · Cert 3753
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.99% | 0.98% | 1.00% | 1.02% | 1.18% | 1.19% | 0.86% | -13 bps | |
| Return on Equity | 10.28% | 9.31% | 9.48% | 9.79% | 9.93% | 10.94% | 11.01% | 8.20% | -159 bps | |
| Net Interest Margin | 3.19% | 3.19% | 3.10% | 3.15% | 3.31% | 3.52% | 3.63% | 3.69% | +53 bps | |
| Efficiency Ratio | 62.12% | 58.97% | 59.28% | 58.54% | 58.36% | 55.65% | 55.08% | 62.87% | +433 bps | |
| Non-Interest Burden | 1.55% | 1.56% | 1.53% | 1.54% | 1.61% | 1.68% | 1.72% | 2.10% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.01% | 15.85% | 22.00% | 24.39% | 1.39% | -1.68% | -6.53% | 2.80% | -2,160 bps | |
| Loan Growth (YoY) | 17.57% | 17.55% | 11.98% | 18.09% | 7.05% | 7.82% | 11.89% | 7.21% | -1,088 bps | |
| Deposit Growth (YoY) | 9.56% | 13.27% | 15.28% | 17.23% | 5.12% | 3.23% | 0.11% | -1.19% | -1,842 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 | 0.19% | 0.06% | 0.02% | 0.04% | 0.08% | 0.00% | 0.03% | 0.35% | +31 bps | |
| Allowance / Loans | 1.22% | 1.24% | 1.32% | 1.32% | 1.32% | 1.32% | 1.33% | 1.33% | +1 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 | 11.57% | 11.50% | 11.49% | 11.19% | 11.67% | 11.90% | 11.75% | 11.56% | +37 bps | |
| Equity / Assets | 10.78% | 10.58% | 9.69% | 9.71% | 10.78% | 10.86% | 10.85% | 9.72% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.00% | 85.60% | 83.99% | 87.45% | 86.56% | 89.40% | 93.87% | 94.89% | +744 bps | |
| Liquid Assets / Assets | 0.34% | 0.29% | 0.22% | 0.13% | 0.13% | 0.13% | 0.13% | 0.08% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |