Madison, WI · Charter 23026
Q4 1998
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 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.09% | 4.30% | 4.26% | 4.36% | 4.07% | 4.19% | 4.21% | 4.14% | -22 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.63% | 3.59% | 8.77% | 6.97% | 6.83% | 6.69% | 2.58% | 6.31% | -66 bps | |
| Loan Growth (YoY) | 13.55% | 14.16% | 16.85% | 13.31% | 11.37% | 8.95% | 6.17% | 6.16% | -714 bps | |
| Share Growth (YoY) | 1.12% | 2.41% | 8.74% | 6.86% | 7.29% | 7.11% | 2.11% | 6.98% | +13 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.10% | 1.12% | 1.03% | 1.05% | 1.13% | 1.27% | 1.04% | +1 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 | 1.55% | 1.38% | 1.21% | 1.21% | 1.08% | 0.86% | 0.84% | 0.94% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.13% | 90.43% | 91.79% | 92.61% | 90.44% | 91.99% | 95.44% | 91.90% | -71 bps | |
| Liquid Assets / Assets | 5.88% | 6.92% | 6.73% | 6.07% | 6.22% | 4.61% | 4.26% | 3.47% | -260 bps | |