Kenosha, WI · Charter 24565
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 1.06% | 1.52% | 0.71% | 0.54% | -0.96% | -0.62% | -7.78% | -849 bps | |
| Return on Equity | n/a | n/a | 8.09% | 3.79% | 2.84% | -6.26% | -3.88% | -78.27% | -8,206 bps | |
| Net Interest Margin | 5.42% | 5.42% | 5.40% | 4.50% | 4.22% | 3.12% | 3.08% | -3.14% | -764 bps | |
| Efficiency Ratio | 84.73% | 81.28% | 74.06% | 82.33% | 83.69% | 93.98% | 94.80% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.93% | -1.41% | 1.73% | -7.41% | 0.90% | 18.52% | 17.92% | 6.34% | +1,374 bps | |
| Loan Growth (YoY) | -17.93% | -15.85% | -17.92% | -2.23% | 0.89% | -8.49% | -10.34% | -21.91% | -1,968 bps | |
| Share Growth (YoY) | -4.00% | -2.58% | 0.24% | -10.49% | -0.70% | 21.68% | 22.06% | 17.52% | +2,801 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.28% | 1.72% | 2.60% | 2.32% | 3.81% | 0.26% | 0.16% | 1.24% | -108 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 | 2.14% | 1.72% | 1.59% | 1.71% | 1.83% | 0.98% | 1.05% | 0.94% | -77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 18.75% | 18.67% | 19.10% | 15.36% | 15.90% | 9.94% | -872 bps | |
| Net Worth / Assets | n/a | n/a | 18.75% | 18.67% | 19.10% | 15.36% | 15.90% | 9.94% | -872 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.54% | 58.62% | 59.24% | 61.08% | 64.56% | 44.08% | 43.52% | 40.59% | -2,049 bps | |
| Liquid Assets / Assets | 45.90% | 24.07% | 50.43% | 48.87% | 46.34% | 61.20% | 62.03% | 62.37% | +1,350 bps | |