Milwaukee, WI · Charter 66413
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.53% | -5.81% | -6.48% | -1.73% | -1.28% | -0.33% | -0.55% | -0.47% | +126 bps | |
| Return on Equity | -38.72% | -43.86% | -57.03% | -15.61% | -12.31% | -3.22% | -5.47% | -4.58% | +1,103 bps | |
| Net Interest Margin | 4.28% | 4.56% | 4.74% | 4.99% | 4.91% | 4.60% | 4.60% | 4.74% | -26 bps | |
| Efficiency Ratio | 87.82% | 92.06% | 93.52% | 103.47% | 104.85% | 98.38% | 101.38% | 99.11% | -436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | -4.76% | -4.90% | -4.82% | -4.33% | -5.15% | -4.31% | -6.01% | -119 bps | |
| Loan Growth (YoY) | -5.31% | -2.54% | -5.28% | -1.53% | 1.08% | -8.66% | -6.13% | -7.02% | -549 bps | |
| Share Growth (YoY) | 0.18% | -0.72% | 1.51% | -1.41% | -0.02% | -1.51% | -2.95% | -5.20% | -378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 2.72% | 3.71% | 3.61% | 1.59% | 2.07% | 2.03% | 0.99% | -263 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 | 4.42% | 6.07% | 1.39% | 1.72% | 1.34% | 1.71% | 1.60% | 1.32% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.29% | 13.25% | 11.36% | 11.07% | 10.40% | 10.11% | 9.98% | 10.19% | -88 bps | |
| Net Worth / Assets | 14.29% | 13.25% | 11.36% | 11.07% | 10.40% | 10.11% | 9.98% | 10.19% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.35% | 82.82% | 79.41% | 79.51% | 80.22% | 76.80% | 76.81% | 77.98% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |