Portage, WI · Charter 66636
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.03% | 1.62% | 1.91% | 1.87% | 0.60% | 0.88% | -1.01% | -10.52% | -1,239 bps | |
| Return on Equity | n/a | n/a | n/a | 7.42% | 2.62% | 3.81% | -4.78% | -69.62% | -7,704 bps | |
| Net Interest Margin | n/a | 6.61% | 6.69% | 7.42% | 6.22% | 6.15% | 6.89% | 0.36% | -706 bps | |
| Efficiency Ratio | n/a | 60.94% | 59.87% | 62.27% | 74.74% | 71.61% | 62.35% | 1045% | +98,243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.59% | 18.38% | 12.90% | 7.65% | 7.23% | 11.82% | 9.32% | 13.85% | +620 bps | |
| Loan Growth (YoY) | 0.25% | 10.92% | 16.84% | 9.21% | 5.08% | 2.64% | -2.00% | -6.43% | -1,564 bps | |
| Share Growth (YoY) | 21.83% | 19.93% | 12.55% | 5.01% | 5.10% | 12.23% | 11.53% | 31.34% | +2,633 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.38% | 5.74% | 4.52% | 0.00% | 6.55% | 8.70% | 7.26% | 8.39% | +839 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 | 3.07% | 3.65% | 3.24% | 3.14% | 1.90% | 2.05% | 2.98% | 7.07% | +393 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 25.18% | 22.76% | 23.00% | 21.03% | 15.11% | -1,008 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 25.18% | 22.76% | 23.00% | 21.03% | 15.11% | -1,008 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.47% | 95.04% | 86.45% | 99.82% | 84.44% | 86.92% | 75.96% | 71.12% | -2,870 bps | |
| Liquid Assets / Assets | 29.44% | 11.89% | 22.88% | 27.50% | 35.96% | 34.23% | 41.35% | 43.00% | +1,549 bps | |