Marinette, WI · Charter 66489
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.85% | 6.17% | 0.82% | 1.35% | 1.25% | 0.78% | 0.00% | -7.25% | -860 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 12.80% | 8.77% | 0.00% | -168.10% | n/a | |
| Net Interest Margin | n/a | n/a | 4.49% | 4.73% | 4.97% | 4.33% | 3.89% | 4.75% | +2 bps | |
| Efficiency Ratio | n/a | n/a | 63.54% | 63.25% | 64.80% | 72.89% | 70.21% | 88.38% | +2,513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 56.34% | 35.31% | 30.62% | 21.44% | 14.88% | 26.93% | 24.58% | 15.53% | -592 bps | |
| Loan Growth (YoY) | 61.72% | 45.52% | 38.19% | 35.15% | 24.92% | 10.13% | 2.66% | -6.64% | -4,179 bps | |
| Share Growth (YoY) | 56.63% | 34.49% | 29.81% | 20.51% | 13.62% | 27.42% | 26.44% | 21.95% | +145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 1.67% | 1.11% | 2.28% | 2.14% | 3.66% | 4.92% | 1.49% | -78 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 | 0.64% | 0.71% | 0.65% | 1.19% | 1.16% | 1.15% | 1.89% | 2.95% | +176 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 9.74% | 8.90% | 7.80% | 4.32% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 9.74% | 8.90% | 7.80% | 4.32% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.14% | 94.27% | 94.08% | 97.08% | 98.01% | 81.48% | 76.39% | 74.32% | -2,276 bps | |
| Liquid Assets / Assets | 15.13% | 9.77% | 1.58% | 3.65% | 7.78% | 18.24% | 19.12% | 9.61% | +596 bps | |