Menasha, WI · Charter 66602
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 | 3.46% | 3.70% | 2.65% | 0.63% | 0.16% | 0.58% | 1.95% | 1.13% | +50 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.06% | 9.60% | 5.30% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.51% | 4.95% | 5.59% | 7.14% | 6.53% | +103 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 75.09% | 82.02% | 78.32% | 68.80% | 77.99% | +290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.50% | -21.86% | -12.25% | -3.53% | 7.24% | 3.31% | -5.52% | -9.52% | -599 bps | |
| Loan Growth (YoY) | -11.24% | -8.86% | -14.72% | -24.22% | -21.48% | 7.91% | 11.58% | 41.28% | +6,550 bps | |
| Share Growth (YoY) | -24.63% | -27.61% | -16.56% | -7.28% | 6.76% | -10.06% | -10.81% | -13.45% | -617 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.16% | 2.01% | 0.65% | 0.64% | 4.93% | 0.18% | 1.51% | 9.79% | +916 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 | 3.37% | 4.05% | 4.83% | 6.06% | 6.73% | 5.43% | 5.81% | 5.12% | -94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 19.07% | 20.31% | 21.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 19.07% | 20.31% | 21.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.58% | 100.39% | 87.48% | 76.87% | 72.51% | 120.44% | 109.45% | 125.48% | +4,861 bps | |
| Liquid Assets / Assets | 8.41% | 16.11% | 25.07% | 0.00% | 6.10% | 17.53% | 17.81% | 0.75% | +75 bps | |