Pewaukee, WI · Cert 57972
FDIC · 1 branch
Q4 2015
Market Position · Milwaukee-Waukesha-West Allis, WI · 2015 SOD (annual) · 0.1% share · #39 of 52 inst. · $0.1B of $64.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.65% | 0.51% | 0.48% | 0.24% | -27 bps | |
| Return on Equity | 2.91% | 3.68% | 2.83% | 2.64% | 1.30% | -162 bps | |
| Net Interest Margin | 2.81% | 2.90% | 3.09% | 2.80% | 2.60% | -21 bps | |
| Efficiency Ratio | 73.73% | 65.86% | 73.49% | 75.81% | 90.26% | +1,652 bps | |
| Non-Interest Burden | 2.00% | 1.76% | 2.15% | 1.98% | 2.23% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.99% | 9.38% | -1.82% | -2.97% | 0.28% | -472 bps | |
| Loan Growth (YoY) | 1.85% | 1.61% | 0.20% | -5.57% | -3.90% | -575 bps | |
| Deposit Growth (YoY) | -2.36% | 2.60% | -3.02% | -4.58% | -0.30% | +206 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.70% | 0.00% | 0.86% | +86 bps | |
| Allowance / Loans | 3.29% | 3.24% | 3.14% | 3.31% | 3.03% | -26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 14.40% | 14.87% | 14.87% | 14.95% | n/a | |
| Total Risk-Based Capital | 22.02% | 22.53% | 23.01% | 24.46% | 23.23% | +121 bps | |
| Equity / Assets | 17.71% | 17.60% | 18.41% | 18.30% | 18.13% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.09% | 78.55% | 81.21% | 75.54% | 76.23% | -286 bps | |
| Liquid Assets / Assets | 8.78% | 4.12% | 4.40% | 3.19% | 3.55% | -523 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |