Howard, WI · Cert 33857
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.71% | 1.13% | 0.92% | 1.28% | 1.44% | 1.32% | 0.19% | -73 bps | |
| Return on Equity | n/a | n/a | 10.56% | 9.03% | 12.44% | 13.78% | 12.77% | 1.89% | -714 bps | |
| Net Interest Margin | n/a | 3.00% | 3.41% | 3.14% | 3.63% | 3.63% | 3.59% | 3.52% | +38 bps | |
| Efficiency Ratio | n/a | 64.52% | 61.78% | 60.71% | 52.34% | 48.49% | 49.25% | 76.77% | +1,606 bps | |
| Non-Interest Burden | n/a | 1.75% | 1.95% | 1.78% | 1.66% | 1.47% | 1.62% | 2.56% | +78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.61% | 18.18% | 22.23% | 24.43% | 15.29% | 16.05% | 12.93% | 6.96% | -1,747 bps | |
| Loan Growth (YoY) | 25.00% | 23.42% | 22.01% | 19.85% | 18.86% | 18.01% | 16.28% | 16.47% | -338 bps | |
| Deposit Growth (YoY) | 3.69% | 18.80% | 23.46% | 27.99% | 17.54% | 23.38% | 18.21% | 10.93% | -1,706 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 | n/a | 0.00% | 0.25% | -0.18% | 0.06% | 0.06% | 0.70% | -0.02% | +15 bps | |
| Allowance / Loans | n/a | 1.56% | 1.48% | 1.55% | 1.45% | 1.43% | 1.23% | 1.39% | -16 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 | n/a | 15.48% | 14.58% | 14.55% | 14.26% | 14.08% | 13.93% | 13.73% | -82 bps | |
| Equity / Assets | n/a | 11.24% | 10.27% | 10.18% | 10.33% | 10.53% | 10.21% | 10.25% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.45% | 110.51% | 101.45% | 98.45% | 110.69% | 105.70% | 99.80% | 103.36% | +491 bps | |
| Liquid Assets / Assets | 0.00% | 0.29% | 0.05% | 0.13% | 1.29% | 1.14% | 4.52% | 0.38% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |