Milwaukee, WI · Charter 66394
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.71% | 3.12% | 0.89% | 1.57% | 0.92% | 0.97% | 0.80% | -6.93% | -850 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.29% | 4.68% | 3.69% | -45.05% | n/a | |
| Net Interest Margin | n/a | n/a | 5.39% | 5.26% | 6.54% | 6.37% | 6.22% | 5.55% | +29 bps | |
| Efficiency Ratio | n/a | n/a | 84.29% | 71.71% | 77.59% | 78.60% | 84.15% | 165.02% | +9,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.02% | 0.39% | -4.83% | 4.77% | 2.55% | -1.47% | 4.41% | 6.35% | +158 bps | |
| Loan Growth (YoY) | 2.95% | -6.05% | 4.39% | 29.09% | 39.83% | 33.06% | 12.35% | 13.51% | -1,558 bps | |
| Share Growth (YoY) | -3.73% | -4.04% | -10.24% | 1.64% | -0.58% | -4.12% | 3.82% | 8.07% | +643 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 2.10% | 2.52% | 2.47% | 3.83% | 1.49% | 1.62% | 4.56% | +209 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 | 1.28% | 1.28% | 0.96% | 0.88% | 0.76% | 0.76% | 0.54% | 2.76% | +187 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 21.54% | 20.79% | 21.66% | 15.39% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 21.54% | 20.79% | 21.66% | 15.39% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.87% | 74.96% | 94.02% | 93.85% | 117.95% | 104.03% | 101.75% | 98.58% | +472 bps | |
| Liquid Assets / Assets | 30.43% | 32.63% | 11.98% | 19.82% | 8.27% | 17.12% | 19.44% | 20.57% | +75 bps | |