Eau Claire, WI · Charter 66525
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% | 0.00% | 0.00% | 0.09% | 0.23% | 0.02% | 0.02% | 0.04% | -5 bps | |
| Return on Equity | 0.26% | 0.00% | 0.00% | 0.42% | 0.99% | 0.07% | 0.09% | 0.20% | -22 bps | |
| Net Interest Margin | 3.02% | 2.87% | 3.02% | 3.15% | 3.47% | 3.15% | 3.08% | 3.01% | -14 bps | |
| Efficiency Ratio | 89.99% | 100.00% | 98.65% | 93.50% | 71.97% | 77.74% | 84.28% | 87.22% | -628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.56% | 17.42% | 9.10% | -7.70% | -7.66% | -10.87% | -4.88% | -3.21% | +449 bps | |
| Loan Growth (YoY) | 29.08% | 55.28% | 75.90% | 68.71% | 93.79% | 14.55% | -20.17% | -32.17% | -10,088 bps | |
| Share Growth (YoY) | 16.11% | 22.59% | 11.62% | -9.75% | -10.03% | -13.75% | -6.26% | -0.15% | +960 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.83% | 0.91% | 0.89% | 1.68% | +168 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 | 1.19% | 0.77% | 0.62% | 0.70% | 0.97% | 1.28% | 1.38% | 1.61% | +91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.54% | 20.32% | 21.99% | 22.31% | 23.49% | 22.90% | 23.24% | 19.85% | -246 bps | |
| Net Worth / Assets | 21.54% | 20.32% | 21.99% | 22.31% | 23.49% | 22.90% | 23.24% | 19.85% | -246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.94% | 73.10% | 107.83% | 110.11% | 109.71% | 97.09% | 91.82% | 74.80% | -3,532 bps | |
| Liquid Assets / Assets | 58.74% | 40.55% | 14.93% | 12.98% | 14.92% | 24.34% | 28.85% | 39.44% | +2,646 bps | |