Whitewater, WI · Charter 66608
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | 2.93% | 2.85% | 2.53% | 2.81% | 0.52% | -0.11% | -0.21% | -274 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -1.01% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.72% | 6.38% | 6.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 91.27% | 101.65% | 103.21% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.69% | 4.01% | 7.82% | 10.71% | 15.67% | 6.48% | -2.66% | -11.55% | -2,226 bps | |
| Loan Growth (YoY) | 1.95% | 7.31% | 6.08% | -5.69% | -26.21% | -6.17% | 16.53% | 16.45% | +2,214 bps | |
| Share Growth (YoY) | 1.83% | 3.81% | 8.95% | 12.83% | 18.88% | 7.39% | -3.83% | -14.62% | -2,745 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.01% | 4.75% | 0.00% | 1.69% | 1.16% | 0.38% | 0.31% | 0.71% | -98 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 | 2.18% | 2.14% | 2.52% | 2.69% | 2.96% | 2.28% | 2.16% | 1.70% | -100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 21.30% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 21.30% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.48% | 103.85% | 79.45% | 71.76% | 62.37% | 90.74% | 96.27% | 97.87% | +2,612 bps | |
| Liquid Assets / Assets | 16.63% | 17.59% | 35.41% | 40.56% | 39.14% | 0.62% | 21.11% | 22.23% | -1,833 bps | |