Milwaukee, WI · Charter 67136
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -0.99% | -1.13% | -1.01% | -0.91% | -1.10% | -1.17% | -1.14% | -13 bps | |
| Return on Equity | -2.97% | -3.55% | -4.03% | -3.67% | -3.35% | -4.25% | -4.43% | -4.45% | -78 bps | |
| Net Interest Margin | 3.95% | 3.34% | 3.29% | 3.38% | 3.43% | 3.37% | 3.46% | 3.34% | -4 bps | |
| Efficiency Ratio | 120.59% | 129.60% | 130.19% | 129.52% | 126.15% | 132.33% | 133.24% | 133.92% | +440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 11.70% | 3.76% | 4.84% | 6.96% | 0.68% | 0.14% | 2.32% | -252 bps | |
| Loan Growth (YoY) | -12.72% | -11.31% | -5.27% | 6.28% | 8.89% | 7.71% | 6.82% | -9.30% | -1,558 bps | |
| Share Growth (YoY) | 7.76% | 18.97% | 7.78% | 10.36% | 13.04% | 3.79% | 2.56% | 4.98% | -538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 1.88% | 2.08% | 0.39% | 0.00% | 0.00% | 0.00% | 0.00% | -39 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 | 2.79% | 2.83% | 2.90% | 2.18% | 2.07% | 2.12% | 2.19% | 2.41% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.96% | 28.04% | 28.10% | 27.44% | 27.03% | 25.86% | 26.29% | 25.63% | -181 bps | |
| Net Worth / Assets | 30.96% | 28.04% | 28.10% | 27.44% | 27.03% | 25.86% | 26.29% | 25.63% | -181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.30% | 57.32% | 57.17% | 61.35% | 63.87% | 59.49% | 59.54% | 53.01% | -834 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |