Milwaukee, WI · Cert 58455
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Milwaukee, WI · Cert 58455
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.15% | -0.26% | 0.04% | 0.37% | -1.11% | -0.01% | -0.02% | -6 bps | |
| Return on Equity | 4.26% | 1.74% | -2.97% | 0.42% | 4.30% | -12.67% | -0.14% | -0.26% | -68 bps | |
| Net Interest Margin | 2.86% | 1.90% | 1.93% | 2.02% | 2.07% | 2.93% | 3.00% | 3.08% | +107 bps | |
| Efficiency Ratio | 68.61% | 99.64% | 117.59% | 96.82% | 74.68% | 72.42% | 66.23% | 64.27% | -3,254 bps | |
| Non-Interest Burden | 1.92% | 1.89% | 2.30% | 1.95% | 1.51% | 2.07% | 1.93% | 1.92% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.11% | 55.11% | 56.97% | 68.43% | 31.55% | 10.36% | 12.21% | -9.31% | -7,774 bps | |
| Loan Growth (YoY) | 3.48% | 5.85% | 13.81% | 12.16% | 10.36% | 10.82% | 7.29% | -0.89% | -1,306 bps | |
| Deposit Growth (YoY) | 20.83% | 63.14% | 79.69% | 76.35% | 32.26% | 4.93% | 12.03% | -10.53% | -8,688 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% | 0.00% | 0.00% | 0.48% | +48 bps | |
| Allowance / Loans | 1.25% | 1.15% | 1.10% | 1.04% | 1.08% | 2.11% | 1.86% | 2.08% | +104 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 | 13.61% | 11.82% | 11.72% | 11.06% | 11.12% | 13.21% | 13.27% | 13.75% | +269 bps | |
| Equity / Assets | 9.12% | 8.34% | 8.74% | 8.19% | 8.64% | 8.93% | 9.03% | 9.35% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.64% | 71.75% | 76.67% | 66.54% | 67.29% | 75.77% | 73.42% | 73.71% | +717 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 34.82% | 34.48% | 32.59% | 28.52% | 24.37% | -1,045 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |