Waunakee, WI · Cert 10744
FDIC
Q2 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.27% | 0.08% | -0.23% | -0.35% | -73 bps | |
| Return on Equity | n/a | n/a | n/a | -3.87% | -5.69% | n/a | |
| Net Interest Margin | 2.36% | 2.03% | 1.81% | 1.25% | 1.26% | -110 bps | |
| Efficiency Ratio | 81.60% | 87.28% | 91.95% | 133.64% | 146.35% | +6,475 bps | |
| Non-Interest Burden | 1.84% | 1.71% | 1.63% | 1.80% | 2.05% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.74% | 21.78% | 24.76% | 12.70% | 1.20% | -1,355 bps | |
| Loan Growth (YoY) | -1.57% | -4.12% | -9.53% | -5.62% | -3.69% | -213 bps | |
| Deposit Growth (YoY) | 23.85% | 26.91% | 26.13% | 14.18% | 1.83% | -2,202 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.16% | 0.33% | 0.00% | 0.03% | -20 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.26% | 1.25% | 1.24% | +9 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.33% | 10.43% | 10.35% | 10.56% | 10.58% | +25 bps | |
| Equity / Assets | 6.72% | 6.51% | 5.89% | 6.07% | 6.34% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.41% | 60.11% | 53.46% | 61.56% | 61.86% | -355 bps | |
| Liquid Assets / Assets | 1.07% | 1.02% | 0.98% | 1.07% | 1.08% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |