Beaver Dam, WI · Charter 66754
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.05% | 2.96% | 4.00% | 3.71% | 2.63% | 1.01% | 2.50% | 0.44% | -328 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 | n/a | n/a | n/a | -25.42% | -23.33% | -28.48% | -22.86% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -34.37% | -37.71% | -39.56% | -32.71% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -29.40% | -26.38% | -29.29% | -20.88% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.14% | 6.71% | 3.85% | 5.94% | 7.35% | 6.60% | 22.55% | 0.93% | -501 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 | 2.61% | 2.69% | 2.90% | 3.19% | 2.38% | 0.15% | 1.85% | 1.61% | -158 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 | 90.01% | 100.36% | 107.67% | 95.59% | 83.67% | 84.92% | 92.02% | 81.31% | -1,429 bps | |
| Liquid Assets / Assets | 17.26% | 9.73% | 6.11% | 15.72% | 24.32% | 23.24% | 14.09% | 25.09% | +937 bps | |