PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Privatebank, National Association, The

Milwaukee, WI · Cert 58455

FDIC

Q3 2010

$184.3MAssets
$121.9MLoans
$165.4MDeposits
$17.2MEquity
Loan mix
53%RE $47.9M16%C&I $14.0M31%Consumer $28.2MQ4 2008Q3 2010
Deposit mix
86%Interest-bearing $141.8M14%Noninterest $23.6MQ4 2008Q3 2010

Executive Summary

  • Earnings: ROA of -0.02%, down 6 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 73.71% of deposits as of Q3 2010.

Return on Assets (YTD, annualized)

-0.02%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+107 bps YoY

Efficiency Ratio (YTD, annualized)

64.27%-3,254 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.00%Q3 ’083.07%Q3 ’093.85%Q3 ’10-48%+53%

Non-interest income vs. expense

2.82%Q3 ’082.12%Q3 ’092.09%Q3 ’10-25%-1%

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.47%0.15%-0.26%0.04%0.37%-1.11%-0.01%-0.02%-6 bps
Return on Equity4.26%1.74%-2.97%0.42%4.30%-12.67%-0.14%-0.26%-68 bps
Net Interest Margin2.86%1.90%1.93%2.02%2.07%2.93%3.00%3.08%+107 bps
Efficiency Ratio68.61%99.64%117.59%96.82%74.68%72.42%66.23%64.27%-3,254 bps
Non-Interest Burden1.92%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.48%+48 bps
Allowance / Loans1.25%1.15%1.10%1.04%1.08%2.11%1.86%2.08%+104 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.61%11.82%11.72%11.06%11.12%13.21%13.27%13.75%+269 bps
Equity / Assets9.12%8.34%8.74%8.19%8.64%8.93%9.03%9.35%+116 bps
Liquidity & Funding
Loans / Deposits80.64%71.75%76.67%66.54%67.29%75.77%73.42%73.71%+717 bps
Liquid Assets / Assets0.01%0.01%0.01%34.82%34.48%32.59%28.52%24.37%-1,045 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a