Elcho, WI · Cert 10738
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.33% | 1.52% | 0.60% | 1.41% | 1.10% | 0.96% | 0.92% | +32 bps | |
| Return on Equity | 10.22% | 13.31% | 15.64% | 6.27% | 14.72% | 11.00% | 9.31% | 8.48% | +221 bps | |
| Net Interest Margin | 4.50% | 4.88% | 4.59% | 4.37% | 4.42% | 3.99% | 4.00% | 3.66% | -71 bps | |
| Efficiency Ratio | 44.22% | 46.61% | 39.10% | 64.31% | 41.48% | 45.58% | 51.68% | 50.65% | -1,366 bps | |
| Non-Interest Burden | 1.61% | 2.06% | 1.52% | 2.90% | 1.72% | 1.71% | 2.02% | 1.74% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.62% | 28.86% | 21.99% | 24.13% | 18.56% | 11.77% | 5.78% | -2.54% | -2,667 bps | |
| Loan Growth (YoY) | 39.06% | 37.04% | 28.07% | 26.48% | 19.81% | 12.20% | 3.61% | -10.93% | -3,741 bps | |
| Deposit Growth (YoY) | 23.86% | 22.58% | 14.81% | 19.03% | 11.65% | 15.78% | 9.90% | 2.33% | -1,670 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.03% | 0.28% | -0.01% | 0.54% | 0.28% | 0.38% | 0.66% | +67 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.45% | 1.51% | 1.51% | 1.53% | 1.57% | 1.70% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.49% | 10.07% | 10.20% | 10.17% | 10.75% | 11.40% | 11.89% | 13.43% | +325 bps | |
| Equity / Assets | 10.17% | 9.89% | 9.58% | 9.47% | 9.72% | 10.31% | 10.41% | 11.22% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.87% | 107.89% | 106.52% | 107.52% | 105.02% | 104.55% | 100.42% | 93.59% | -1,394 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.00% | 0.02% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |