Milwaukee, WI · Cert 6191
FDIC · 4 branches
Q3 2016
Market Position · Milwaukee-Waukesha-West Allis, WI · 2016 SOD (annual) · 0.2% share · #37 of 51 inst. · $0.1B of $64.7B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.14% | -0.11% | -0.07% | -0.16% | -31 bps | |
| Return on Equity | 1.51% | 1.31% | -1.05% | -0.64% | -1.54% | -305 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.41% | 3.41% | 3.39% | -3 bps | |
| Efficiency Ratio | 93.03% | 93.78% | 104.86% | 102.76% | 106.84% | +1,381 bps | |
| Non-Interest Burden | 3.06% | 3.08% | 3.56% | 3.48% | 3.61% | +55 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.51% | -2.19% | -2.99% | -3.72% | -5.44% | +107 bps | |
| Loan Growth (YoY) | 1.59% | -0.27% | -2.27% | 0.61% | -5.68% | -727 bps | |
| Deposit Growth (YoY) | -6.93% | -1.37% | -3.33% | -3.03% | -5.39% | +154 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.15% | 0.00% | 0.06% | 0.04% | -7 bps | |
| Allowance / Loans | 1.18% | 1.11% | 1.10% | 1.10% | 1.15% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.31% | 9.15% | 9.53% | 9.05% | 9.03% | -28 bps | |
| Total Risk-Based Capital | 12.51% | 12.37% | 12.74% | 12.27% | 12.55% | +4 bps | |
| Equity / Assets | 10.32% | 10.45% | 10.47% | 10.20% | 10.21% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.01% | 84.30% | 86.74% | 84.40% | 80.76% | -25 bps | |
| Liquid Assets / Assets | 0.13% | 0.14% | 0.49% | 0.47% | 0.53% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |