Ashland, WI · Charter 66577
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.83% | 4.47% | 4.30% | 4.45% | 4.54% | 5.11% | 4.82% | 3.91% | -54 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 6.01% | 9.49% | 13.23% | 10.96% | 14.23% | +821 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 26.29% | 28.63% | 21.29% | 16.44% | -18.47% | -4,476 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 7.13% | 11.22% | 15.75% | 12.80% | 16.85% | +972 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.92% | 1.19% | 1.62% | 0.53% | 0.74% | 0.66% | 4.18% | +256 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 | 0.14% | 0.12% | 0.28% | 0.29% | 0.27% | 0.17% | 0.24% | 0.46% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.20% | 63.72% | 64.43% | 57.84% | 61.53% | 66.77% | 66.51% | 40.36% | -1,748 bps | |
| Liquid Assets / Assets | 53.45% | 47.38% | 19.17% | 18.66% | 18.86% | 28.83% | 43.51% | 63.24% | +4,457 bps | |