Fond Du Lac, WI · Charter 66766
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.55% | 3.14% | 3.32% | 2.99% | 1.65% | 0.79% | 1.54% | -1.11% | -409 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 3.46% | -2.50% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.13% | 6.94% | 7.06% | 5.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 73.49% | 88.58% | 78.21% | 120.14% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.03% | -4.95% | -5.04% | -11.64% | -28.10% | -40.76% | -38.49% | -36.94% | -2,530 bps | |
| Loan Growth (YoY) | 10.17% | -25.89% | -27.57% | -7.26% | -18.50% | -29.03% | -51.88% | -72.41% | -6,515 bps | |
| Share Growth (YoY) | -11.65% | -9.17% | 4.10% | -17.51% | -38.82% | -55.40% | -54.42% | -52.19% | -3,468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.77% | 2.89% | 0.08% | 0.00% | 2.29% | 23.80% | 25.67% | 27.83% | +2,783 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 | 1.92% | 2.19% | 0.37% | 0.75% | 1.27% | 3.28% | 4.49% | 7.65% | +690 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 44.43% | 44.17% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 44.43% | 44.17% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.16% | 85.51% | 101.86% | 109.56% | 125.42% | 136.08% | 107.53% | 63.23% | -4,633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 18.22% | 0.00% | 0.00% | 41.21% | 65.78% | +4,756 bps | |