Kenosha, WI · Charter 66572
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | 2.44% | 2.51% | 0.56% | 0.70% | 0.96% | 0.12% | 0.74% | +18 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.99% | 0.35% | 2.11% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.47% | 4.65% | 4.41% | 4.38% | 5.09% | +62 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 88.05% | 85.05% | 78.47% | 97.32% | 85.74% | -231 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.36% | -9.68% | -6.30% | -6.47% | -10.88% | -3.61% | -13.26% | -10.92% | -445 bps | |
| Loan Growth (YoY) | -16.20% | 13.46% | 15.33% | 26.65% | 2.66% | 21.42% | 20.38% | 5.54% | -2,111 bps | |
| Share Growth (YoY) | -14.14% | -14.43% | -9.47% | -10.17% | -16.68% | -18.87% | -20.21% | -17.52% | -735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.46% | 0.36% | 0.66% | 0.40% | 0.43% | 0.71% | 0.61% | -5 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 | 2.16% | 2.65% | 2.88% | 2.82% | 2.77% | 2.20% | 2.39% | 2.67% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 32.00% | 34.07% | 35.12% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 32.00% | 34.07% | 35.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.29% | 73.72% | 65.03% | 70.43% | 80.44% | 110.34% | 98.10% | 90.12% | +1,969 bps | |
| Liquid Assets / Assets | 38.57% | 33.70% | 46.32% | 17.21% | 29.74% | 19.04% | 27.41% | 32.96% | +1,575 bps | |