Green Bay, WI · Charter 66531
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 3.54% | 2.51% | 4.22% | 0.45% | 1.05% | 1.24% | 0.65% | -357 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 7.05% | 3.61% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.98% | 5.92% | 6.13% | 5.73% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 91.30% | 83.26% | 80.79% | 89.36% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | -7.10% | 18.05% | -8.80% | 5.33% | 12.75% | -16.26% | 2.63% | +1,143 bps | |
| Loan Growth (YoY) | -7.07% | 1.49% | -0.13% | 58.01% | 84.94% | 77.42% | 65.74% | 6.58% | -5,143 bps | |
| Share Growth (YoY) | 3.87% | -9.12% | 21.73% | -9.86% | -8.68% | 14.68% | -27.83% | -1.77% | +809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.10% | 2.82% | 0.47% | 0.68% | 0.15% | 0.60% | 1.71% | 5.54% | +486 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 | 2.06% | 2.07% | 1.15% | 0.87% | 0.97% | 1.04% | 1.06% | 1.17% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 17.57% | 18.13% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 17.57% | 18.13% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.57% | 73.71% | 57.01% | 107.65% | 132.79% | 114.04% | 130.93% | 116.80% | +915 bps | |
| Liquid Assets / Assets | 43.23% | 36.27% | 36.19% | 5.55% | 0.00% | 0.00% | 0.43% | 4.22% | -133 bps | |