Milwaukee, WI · Charter 66407
Q2 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.07% | 0.13% | 0.42% | 0.35% | 0.23% | 0.10% | 0.20% | -23 bps | |
| Return on Equity | 0.86% | 0.90% | 1.74% | 5.40% | 4.44% | 2.87% | 1.27% | 2.47% | -294 bps | |
| Net Interest Margin | 3.04% | 3.11% | 2.69% | 2.71% | 2.71% | 2.79% | 2.47% | 2.48% | -23 bps | |
| Efficiency Ratio | 96.85% | 96.75% | 97.19% | 91.47% | 92.04% | 93.57% | 97.84% | 95.76% | +428 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.28% | 1.38% | 8.12% | 7.25% | 6.74% | 5.19% | 0.79% | 0.00% | -724 bps | |
| Loan Growth (YoY) | 12.94% | 0.26% | 2.37% | -0.33% | 1.50% | -1.04% | -2.03% | -3.19% | -285 bps | |
| Share Growth (YoY) | 7.77% | 2.29% | 8.86% | 7.64% | 6.70% | 5.35% | 0.79% | 0.09% | -755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.29% | 0.45% | 0.48% | 0.67% | 0.43% | 0.67% | 0.50% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.43% | 0.44% | 0.45% | 0.44% | 0.54% | 0.54% | 0.55% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.99% | 8.22% | 7.59% | 7.84% | 7.77% | 8.04% | 7.74% | 7.95% | +11 bps | |
| Net Worth / Assets | 7.99% | 8.22% | 7.59% | 7.84% | 7.77% | 8.04% | 7.74% | 7.95% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.85% | 56.72% | 51.60% | 52.10% | 52.17% | 53.28% | 50.16% | 50.39% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |