Sheboygan Falls, WI · Charter 66645
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.59% | 0.85% | 0.24% | -0.17% | -0.74% | -1.28% | -1.32% | -156 bps | |
| Return on Equity | n/a | n/a | 7.35% | 2.26% | -1.63% | -8.67% | -16.32% | -14.49% | -1,675 bps | |
| Net Interest Margin | 3.16% | 3.47% | 3.66% | 2.82% | 2.42% | 1.56% | 1.59% | 1.96% | -87 bps | |
| Efficiency Ratio | 85.64% | 83.66% | 77.51% | 89.90% | 104.44% | 141.88% | 135.88% | 134.71% | +4,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.24% | 7.78% | 11.41% | 14.69% | 25.82% | 25.13% | 30.44% | -2.09% | -1,677 bps | |
| Loan Growth (YoY) | -37.87% | -15.06% | 5.31% | 25.15% | 17.21% | -17.18% | -31.92% | -40.26% | -6,541 bps | |
| Share Growth (YoY) | 10.09% | 7.84% | 11.35% | 14.74% | 28.48% | 28.17% | 36.23% | -0.59% | -1,534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 2.70% | 1.72% | 2.29% | 3.12% | 3.11% | 3.58% | 2.87% | +59 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 | 1.27% | 1.06% | 0.77% | 0.97% | 0.73% | 0.68% | 1.00% | 1.23% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 11.50% | 10.49% | 10.17% | 8.56% | 7.83% | 9.10% | -139 bps | |
| Net Worth / Assets | n/a | n/a | 11.50% | 10.49% | 10.17% | 8.56% | 7.83% | 9.10% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.89% | 55.17% | 58.75% | 49.10% | 47.34% | 35.65% | 29.36% | 29.51% | -1,959 bps | |
| Liquid Assets / Assets | 29.18% | 42.01% | 46.86% | 54.76% | 56.19% | 66.02% | 71.61% | 71.82% | +1,705 bps | |