Madison, WI · Charter 66664
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.12% | 4.17% | 3.74% | 4.48% | 4.53% | 4.06% | 3.49% | 0.74% | -373 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 21.23% | 45.24% | 25.20% | 20.26% | 12.74% | 48.80% | 57.31% | +3,211 bps | |
| Loan Growth (YoY) | n/a | 14.76% | 66.00% | 52.22% | 34.69% | 41.27% | -17.48% | -10.90% | -6,311 bps | |
| Share Growth (YoY) | n/a | 20.28% | 23.39% | 25.95% | 11.17% | 13.05% | 83.33% | 67.16% | +4,121 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.20% | 2.03% | 2.02% | 1.27% | 1.33% | 2.03% | 1.85% | -17 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 | 1.44% | 0.84% | 0.68% | 0.94% | 0.92% | 0.89% | 0.80% | 3.30% | +236 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 | 99.44% | 79.90% | 130.20% | 107.11% | 120.47% | 99.84% | 58.61% | 57.09% | -5,001 bps | |
| Liquid Assets / Assets | 8.06% | 20.42% | 0.38% | 0.07% | 0.01% | 0.47% | 0.00% | 46.68% | +4,662 bps | |