Milwaukee, WI · Cert 58455
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.10% | 0.15% | -0.64% | 0.55% | 1.22% | -1.11% | 1.11% | -0.04% | -60 bps | |
| Return on Equity | -0.98% | 1.74% | -7.52% | 6.57% | 14.49% | -12.67% | 12.39% | -0.49% | -706 bps | |
| Net Interest Margin | 2.74% | 1.90% | 2.01% | 2.62% | 2.74% | 2.93% | 3.08% | 3.08% | +46 bps | |
| Efficiency Ratio | 67.07% | 99.64% | 147.14% | 67.48% | 27.62% | 72.42% | 60.38% | 60.32% | -716 bps | |
| Non-Interest Burden | 1.81% | 1.89% | 2.78% | 1.73% | 0.69% | 2.07% | 1.79% | 1.80% | +6 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% | 1.43% | +143 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 |