Black Creek, WI · Charter 66512
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.09% | 0.19% | 0.08% | -0.70% | -0.43% | -0.17% | 0.07% | -1 bps | |
| Return on Equity | 0.41% | -0.67% | 1.39% | 0.58% | -5.63% | -3.27% | -1.37% | 0.53% | -5 bps | |
| Net Interest Margin | 5.06% | 4.72% | 4.99% | 5.12% | 4.25% | 4.52% | 4.29% | 4.48% | -64 bps | |
| Efficiency Ratio | 95.91% | 96.57% | 91.54% | 90.87% | 107.11% | 99.75% | 95.83% | 91.59% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 5.46% | 4.60% | 5.87% | 10.97% | -2.45% | 5.27% | 7.83% | +196 bps | |
| Loan Growth (YoY) | 0.09% | -9.39% | -7.31% | -2.31% | -1.38% | -7.46% | -3.10% | 0.37% | +269 bps | |
| Share Growth (YoY) | 6.97% | 17.21% | 4.84% | 6.42% | 12.96% | -2.88% | 6.24% | 9.21% | +280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.94% | 3.70% | 3.61% | 4.48% | 5.10% | 1.98% | 2.26% | 1.90% | -258 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 | 1.50% | 1.55% | 1.68% | 2.05% | 1.38% | 1.06% | 1.13% | 1.00% | -105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.88% | 12.84% | 13.40% | 13.77% | 12.41% | 13.07% | 12.54% | 12.35% | -142 bps | |
| Net Worth / Assets | 13.88% | 12.84% | 13.40% | 13.77% | 12.41% | 13.07% | 12.54% | 12.35% | -142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.91% | 90.09% | 91.29% | 89.49% | 79.37% | 85.84% | 83.26% | 82.24% | -724 bps | |
| Liquid Assets / Assets | 15.53% | 15.80% | 15.42% | 17.23% | 24.51% | 18.88% | 21.63% | 22.46% | +523 bps | |