Madison, WI · Charter 66524
Q1 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.74% | 1.07% | 1.01% | 0.57% | 0.62% | 0.72% | 0.76% | 0.79% | +22 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 8.92% | 9.39% | n/a | |
| Net Interest Margin | n/a | 3.73% | 3.51% | 3.58% | 3.52% | 3.58% | 3.50% | 3.39% | -19 bps | |
| Efficiency Ratio | n/a | 64.90% | 65.15% | 73.28% | 72.27% | 70.84% | 69.76% | 69.87% | -341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.02% | 8.28% | 11.45% | 11.13% | 12.83% | 12.07% | 6.74% | 10.36% | -76 bps | |
| Loan Growth (YoY) | 9.38% | 0.41% | -1.84% | -0.57% | 5.66% | 12.51% | 19.01% | 20.80% | +2,137 bps | |
| Share Growth (YoY) | 12.07% | 8.00% | 10.62% | 9.99% | 10.93% | 10.35% | 5.52% | 9.60% | -39 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.07% | 1.10% | 1.29% | 1.16% | 1.10% | 0.97% | 0.76% | -52 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 | 0.74% | 0.74% | 0.79% | 0.92% | 0.87% | 0.86% | 0.86% | 0.96% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 8.56% | 8.38% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 8.56% | 8.38% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.01% | 86.19% | 79.23% | 78.84% | 81.93% | 87.88% | 89.35% | 86.90% | +806 bps | |
| Liquid Assets / Assets | 11.75% | 6.36% | 2.65% | 3.01% | 3.16% | 2.68% | 4.28% | 9.80% | +679 bps | |