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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | 0.07% | 0.28% | 0.12% | 0.07% | -0.11% | -0.02% | -0.34% | -46 bps | |
| Return on Equity | -1.89% | 0.64% | 2.75% | 1.16% | 0.67% | -1.05% | -0.22% | -3.38% | -454 bps | |
| Net Interest Margin | 3.25% | 3.51% | 3.56% | 3.22% | 3.29% | 3.41% | 3.46% | 3.26% | +4 bps | |
| Efficiency Ratio | 114.71% | 97.48% | 86.91% | 95.28% | 96.59% | 104.86% | 100.68% | 115.43% | +2,015 bps | |
| Non-Interest Burden | 3.77% | 3.36% | 2.87% | 2.98% | 3.13% | 3.56% | 3.45% | 3.79% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.92% | -9.57% | -7.08% | -6.51% | -2.19% | -2.99% | -3.72% | -5.44% | +107 bps | |
| Loan Growth (YoY) | 12.43% | 5.13% | 1.14% | 1.59% | -0.27% | -2.27% | 0.61% | -5.68% | -727 bps | |
| Deposit Growth (YoY) | -15.90% | -11.84% | -9.81% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.05% | 0.31% | 0.00% | 0.27% | 0.00% | 0.13% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.15% | 1.20% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 9.23% | 9.32% | 9.31% | 9.15% | 9.53% | 9.05% | 9.03% | -28 bps | |
| Total Risk-Based Capital | 12.73% | 11.19% | 12.83% | 12.51% | 12.37% | 12.74% | 12.27% | 12.55% | +4 bps | |
| Equity / Assets | 10.37% | 10.30% | 10.27% | 10.32% | 10.45% | 10.47% | 10.20% | 10.21% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.37% | 85.79% | 81.35% | 81.01% | 84.30% | 86.74% | 84.40% | 80.76% | -25 bps | |
| Liquid Assets / Assets | 0.03% | 2.84% | 7.31% | 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 | n/a | n/a | n/a |