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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 18.79% | 0.57% | 0.51% | 0.65% | 0.51% | 0.48% | 0.24% | -27 bps | |
| Return on Equity | 6.05% | 120.07% | 3.28% | 2.91% | 3.68% | 2.83% | 2.64% | 1.30% | -162 bps | |
| Net Interest Margin | 2.95% | 2.98% | 2.76% | 2.81% | 2.90% | 3.09% | 2.80% | 2.60% | -21 bps | |
| Efficiency Ratio | 74.74% | 77.09% | 70.24% | 73.73% | 65.86% | 73.49% | 75.81% | 90.26% | +1,652 bps | |
| Non-Interest Burden | 2.13% | 2.22% | 1.85% | 2.00% | 1.76% | 2.15% | 1.98% | 2.23% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.65% | 5.81% | 2.74% | 4.99% | 9.38% | -1.82% | -2.97% | 0.28% | -472 bps | |
| Loan Growth (YoY) | -13.53% | -7.70% | 1.13% | 1.85% | 1.61% | 0.20% | -5.57% | -3.90% | -575 bps | |
| Deposit Growth (YoY) | -12.53% | -2.33% | -5.35% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.70% | 0.00% | 0.86% | +86 bps | |
| Allowance / Loans | 3.29% | 3.32% | 3.30% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 14.40% | 14.87% | 14.87% | 14.95% | n/a | |
| Total Risk-Based Capital | 20.98% | 21.24% | 21.41% | 22.02% | 22.53% | 23.01% | 24.46% | 23.23% | +121 bps | |
| Equity / Assets | 13.72% | 17.46% | 17.09% | 17.71% | 17.60% | 18.41% | 18.30% | 18.13% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.32% | 78.60% | 76.33% | 79.09% | 78.55% | 81.21% | 75.54% | 76.23% | -286 bps | |
| Liquid Assets / Assets | 5.74% | 5.38% | 5.04% | 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 | n/a | n/a | n/a |