Schofield, WI · Charter 66573
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 | 4.43% | 4.70% | 3.33% | 0.79% | 2.23% | 1.96% | -0.29% | -2.62% | -340 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 14.07% | -2.24% | -22.35% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.53% | 6.77% | 7.29% | 6.24% | 6.45% | +92 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 87.21% | 68.61% | 74.61% | 80.19% | 83.83% | -338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.52% | 9.91% | 10.18% | 10.24% | 5.81% | 1.11% | -5.79% | -8.61% | -1,886 bps | |
| Loan Growth (YoY) | -5.83% | 7.57% | 4.81% | 20.67% | 8.59% | 19.13% | 7.59% | -12.46% | -3,314 bps | |
| Share Growth (YoY) | 12.05% | 7.32% | 8.37% | 8.97% | 4.45% | -0.93% | -7.76% | -8.14% | -1,711 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.54% | 1.42% | 4.82% | 1.76% | 4.88% | 1.08% | 20.18% | 23.37% | +2,162 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 | 2.19% | 2.26% | 2.02% | 2.32% | 1.49% | 0.97% | 0.96% | 5.29% | +297 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.93% | 12.74% | 11.72% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.93% | 12.74% | 11.72% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.46% | 89.27% | 75.14% | 89.47% | 82.61% | 107.36% | 87.64% | 85.26% | -421 bps | |
| Liquid Assets / Assets | 21.44% | 15.57% | 26.75% | 0.00% | 19.29% | 5.99% | 13.94% | 26.21% | +2,621 bps | |