Beloit, WI · Charter 66727
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.97% | 4.31% | 4.02% | 3.30% | -1.16% | 0.65% | 0.46% | -5.43% | -873 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 3.21% | -40.91% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.58% | 6.03% | 6.57% | 5.65% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 90.10% | 79.10% | 81.06% | 97.10% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.05% | -0.04% | -2.54% | -6.63% | -18.11% | -19.70% | -23.49% | -31.10% | -2,447 bps | |
| Loan Growth (YoY) | -25.26% | -20.65% | -18.34% | -1.27% | 6.63% | -6.66% | -13.93% | -43.94% | -4,267 bps | |
| Share Growth (YoY) | -1.10% | -1.23% | -3.82% | -8.21% | -19.46% | -21.13% | -25.67% | -31.89% | -2,368 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 2.44% | 2.06% | 2.30% | 1.27% | 2.72% | 3.58% | 0.49% | -181 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 | 0.80% | 0.61% | 0.83% | 0.80% | 1.69% | 2.27% | 2.05% | 5.00% | +420 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.33% | 13.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.33% | 13.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.82% | 80.53% | 80.14% | 83.74% | 96.41% | 95.30% | 92.81% | 68.93% | -1,481 bps | |
| Liquid Assets / Assets | 32.06% | 23.00% | 26.17% | 23.49% | 6.55% | 6.65% | 18.89% | 34.69% | +1,120 bps | |