Racine, WI · Charter 66639
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.33% | 3.18% | 3.09% | 3.19% | 1.09% | 1.93% | -0.40% | -0.95% | -415 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 | 5.46% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 82.07% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | 5.34% | 4.77% | -6.53% | -11.73% | -13.44% | -13.64% | -8.40% | -188 bps | |
| Loan Growth (YoY) | 35.99% | 70.40% | 23.54% | 22.33% | -26.48% | -24.19% | -8.93% | -17.50% | -3,983 bps | |
| Share Growth (YoY) | -2.98% | 1.91% | 1.32% | -7.79% | -13.21% | -15.63% | -14.58% | -8.80% | -101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 4.33% | 8.18% | 6.45% | 4.33% | 4.70% | 2.68% | 3.59% | -286 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 | 4.11% | 3.68% | 4.33% | 3.74% | 1.42% | 1.22% | 1.26% | 1.47% | -227 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 | 54.28% | 62.83% | 53.85% | 59.37% | 45.98% | 56.45% | 57.41% | 53.70% | -567 bps | |
| Liquid Assets / Assets | 48.50% | 22.62% | 5.12% | 16.70% | 57.56% | 47.12% | 36.46% | 24.75% | +805 bps | |