Racine, WI · Charter 66540
Q4 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.55% | 3.62% | 4.36% | 0.33% | 0.45% | 0.19% | 0.01% | -1.56% | -189 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.48% | 0.01% | -4.02% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.04% | 2.41% | 3.14% | 3.39% | 1.72% | -32 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 76.16% | 73.99% | 73.89% | 28.98% | 114.88% | +3,872 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.78% | 47.28% | 50.52% | 43.83% | 27.63% | -15.69% | -22.68% | -22.15% | -6,597 bps | |
| Loan Growth (YoY) | 22.63% | 45.82% | 60.20% | 72.00% | 65.26% | -17.09% | -59.55% | -100.00% | -17,200 bps | |
| Share Growth (YoY) | 22.94% | 84.76% | 91.96% | 75.50% | 46.68% | -24.24% | -33.25% | -30.85% | -10,634 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 3.41% | 0.00% | 13.09% | 19.56% | n/a | n/a | |
| 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 | 18.39% | 12.87% | 11.58% | 11.25% | 12.36% | 19.84% | 23.47% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 39.40% | 39.80% | 38.90% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 39.40% | 39.80% | 38.90% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.07% | 31.00% | 32.57% | 35.53% | 37.25% | 33.93% | 19.74% | 0.00% | -3,553 bps | |
| Liquid Assets / Assets | 83.79% | 81.29% | 79.07% | 66.89% | 77.38% | 82.62% | 90.26% | 99.38% | +3,249 bps | |