Milwaukee, WI · Charter 67134
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Milwaukee, WI · Charter 67134
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.54% | -1.33% | -0.82% | -0.51% | -0.26% | -0.24% | 0.27% | 0.16% | +67 bps | |
| Return on Equity | -9.01% | -7.79% | -5.06% | -3.31% | -1.67% | -1.33% | 1.44% | 1.03% | +435 bps | |
| Net Interest Margin | 2.72% | 2.78% | 2.56% | 2.70% | 2.86% | 3.33% | 3.37% | 2.69% | -1 bps | |
| Efficiency Ratio | 119.14% | 117.89% | 122.44% | 110.06% | 101.14% | 99.44% | 84.58% | 86.29% | -2,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | -4.41% | 0.47% | 5.51% | 5.79% | -7.54% | -12.80% | -0.34% | -585 bps | |
| Loan Growth (YoY) | 20.36% | 2.83% | 17.56% | 29.26% | 27.09% | 30.77% | 4.03% | -8.47% | -3,773 bps | |
| Share Growth (YoY) | -5.11% | -4.49% | -4.43% | -3.08% | -2.70% | -9.36% | -10.17% | 10.40% | +1,347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 2.69% | 2.19% | 1.89% | 1.43% | 2.26% | 1.60% | 2.49% | +60 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 | 2.73% | 2.91% | 2.54% | 2.50% | 2.80% | 2.91% | 3.17% | 3.46% | +96 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.13% | 17.11% | 16.18% | 15.40% | 15.84% | 18.27% | 18.57% | 15.58% | +18 bps | |
| Net Worth / Assets | 17.13% | 17.11% | 16.18% | 15.40% | 15.84% | 18.27% | 18.57% | 15.58% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.02% | 51.94% | 62.19% | 68.48% | 67.95% | 74.94% | 72.02% | 56.78% | -1,170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |