Oshkosh, WI · Charter 66501
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.26% | 5.49% | 2.34% | 4.03% | 4.31% | 4.46% | 3.29% | 3.71% | -32 bps | |
| Return on Equity | n/a | n/a | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -17.06% | -11.21% | -5.36% | -11.58% | 2.22% | -9.35% | +185 bps | |
| Loan Growth (YoY) | n/a | n/a | -24.82% | -37.78% | -50.31% | -43.12% | -44.16% | -41.37% | -359 bps | |
| Share Growth (YoY) | n/a | n/a | -22.36% | -15.24% | -8.32% | -16.15% | 1.10% | -13.54% | +170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.73% | 9.13% | 7.55% | 4.49% | 3.98% | 3.92% | 7.41% | 4.49% | +1 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 | 1.79% | 1.92% | 2.83% | 2.45% | 3.15% | 3.39% | 4.19% | 4.49% | +204 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 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 | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 117.07% | 109.03% | 94.67% | 85.12% | 63.45% | 73.96% | 52.29% | 57.72% | -2,740 bps | |
| Liquid Assets / Assets | 3.13% | 13.18% | 24.44% | 29.66% | 41.71% | 43.91% | 54.49% | 55.14% | +2,548 bps | |