Racine, WI · Charter 66472
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.23% | 4.72% | 4.08% | 4.31% | 3.91% | 1.25% | 1.76% | -22.82% | -2,713 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -144.76% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.50% | 5.08% | -13.67% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 71.54% | 64.31% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.79% | -5.60% | -5.04% | 0.13% | 2.88% | 4.57% | 0.99% | -9.53% | -966 bps | |
| Loan Growth (YoY) | 6.33% | -12.34% | 6.07% | 28.59% | 25.29% | 32.29% | 11.05% | -16.48% | -4,507 bps | |
| Share Growth (YoY) | -14.24% | -12.77% | -10.56% | -3.03% | -0.18% | 2.86% | -2.52% | 15.96% | +1,899 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.01% | 0.11% | 0.02% | 1.36% | 0.65% | 0.92% | 1.38% | +136 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 | 3.11% | 1.82% | 1.72% | 1.40% | 1.62% | 1.61% | 1.85% | 10.00% | +860 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.77% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.77% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.28% | 67.28% | 70.09% | 91.67% | 80.69% | 86.53% | 79.84% | 66.03% | -2,564 bps | |
| Liquid Assets / Assets | 55.85% | 54.75% | 52.06% | 31.92% | 38.30% | 27.38% | 29.54% | 40.02% | +810 bps | |