Cochrane, WI · Cert 15906
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.56% | 0.50% | -1.42% | 0.15% | -1.70% | -0.99% | -1.28% | +14 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.55% | -29.90% | -16.74% | -21.92% | n/a | |
| Net Interest Margin | 2.73% | 2.71% | 2.65% | 2.59% | 2.69% | 2.80% | 3.00% | 2.99% | +39 bps | |
| Efficiency Ratio | 81.49% | 79.01% | 80.23% | 80.75% | 80.68% | 74.97% | 76.34% | 78.17% | -258 bps | |
| Non-Interest Burden | 2.10% | 2.01% | 2.01% | 2.01% | 2.08% | 1.97% | 2.15% | 2.21% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.43% | 11.18% | 16.25% | 13.42% | 8.91% | -0.17% | -7.36% | -8.33% | -2,174 bps | |
| Loan Growth (YoY) | 1.17% | -1.90% | 0.69% | -7.50% | -2.24% | -5.45% | -9.16% | -9.66% | -216 bps | |
| Deposit Growth (YoY) | 17.13% | 12.91% | 17.71% | 17.99% | 13.23% | 2.43% | -5.89% | -8.13% | -2,612 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 | 2.63% | 1.48% | 0.98% | 3.35% | -0.02% | 3.83% | 2.60% | 1.90% | -145 bps | |
| Allowance / Loans | 0.91% | 0.86% | 0.90% | 1.57% | 1.76% | 1.84% | 2.03% | 3.59% | +202 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 | 13.08% | 12.54% | 12.00% | 10.21% | 9.76% | 8.62% | 9.10% | 8.77% | -144 bps | |
| Equity / Assets | 7.96% | 7.89% | 7.97% | 5.94% | 5.62% | 5.49% | 6.54% | 5.70% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.22% | 71.15% | 68.95% | 63.15% | 62.36% | 65.67% | 66.56% | 62.10% | -106 bps | |
| Liquid Assets / Assets | 1.56% | 1.46% | 0.86% | 2.44% | 1.27% | 1.34% | 1.37% | 1.39% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |