Milwaukee, WI · Charter 66764
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.13% | -1.14% | -1.21% | -1.78% | -3.22% | -3.46% | -3.39% | -1.99% | -21 bps | |
| Return on Equity | -4.40% | -4.24% | -4.47% | -6.35% | -12.00% | -11.17% | -10.64% | -6.36% | -1 bps | |
| Net Interest Margin | 1.97% | 1.71% | 1.57% | 0.87% | 0.29% | 0.61% | 0.59% | 1.20% | +32 bps | |
| Efficiency Ratio | 157.62% | 166.43% | 176.92% | 304% | 1228% | 669% | 649% | 267% | -3,783 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | -7.24% | -8.73% | -9.05% | -11.26% | -21.18% | -23.32% | -18.95% | -990 bps | |
| Loan Growth (YoY) | -37.39% | -44.02% | -43.95% | -19.36% | 55.89% | 66.57% | 114.62% | 129.79% | +14,915 bps | |
| Share Growth (YoY) | -1.84% | -9.42% | -10.28% | -10.80% | -12.52% | -25.71% | -28.42% | -22.63% | -1,183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 27.64% | 17.56% | 8.64% | 6.20% | 2.93% | 32.87% | 25.32% | 26.41% | +2,020 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 | 37.42% | 41.36% | 32.47% | 36.97% | 17.45% | 16.43% | 12.66% | 15.70% | -2,127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.78% | 26.81% | 27.01% | 28.10% | 26.84% | 31.01% | 31.87% | 31.36% | +326 bps | |
| Net Worth / Assets | 25.78% | 26.81% | 27.01% | 28.10% | 26.84% | 31.01% | 31.87% | 31.36% | +326 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.90% | 14.08% | 14.51% | 13.67% | 28.34% | 31.57% | 43.51% | 40.59% | +2,692 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |