Blk River Falls, WI · Charter 24580
Q2 1999
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -8.14% | -10.56% | -10.09% | -12.59% | -18.18% | -43.99% | -3,343 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 143.50% | 5.54% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 157.53% | -2.41% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 1579% | 73.40% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.00% | 0.90% | 2.87% | 7.03% | 8.70% | 15.98% | +1,508 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.24% | 0.50% | 0.50% | 5.14% | 4.04% | +380 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 542% | 154.14% | 123.52% | 96.27% | 83.09% | 86.75% | -6,739 bps | |
| Liquid Assets / Assets | 0.00% | 1.28% | 9.53% | 3.64% | 25.96% | 1.49% | +22 bps | |