Whitewater, WI · Charter 66795
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.15% | 4.53% | 4.61% | 5.11% | 4.40% | 4.78% | 4.22% | 4.52% | -59 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 | -0.01% | -2.02% | -4.53% | 1.09% | -6.67% | -8.55% | -653 bps | |
| Loan Growth (YoY) | n/a | n/a | -8.09% | -9.42% | 2.39% | 4.06% | -14.53% | -24.77% | -1,535 bps | |
| Share Growth (YoY) | n/a | n/a | -0.97% | -3.77% | -7.06% | -1.05% | -8.97% | -10.78% | -700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 0.80% | 0.35% | 0.30% | 0.35% | 3.97% | 2.56% | 2.89% | +258 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 | 0.22% | 1.10% | 0.91% | 0.78% | 0.95% | 1.10% | 1.22% | 1.20% | +43 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 | 89.64% | 93.16% | 85.66% | 92.12% | 98.76% | 97.97% | 80.43% | 77.68% | -1,445 bps | |
| Liquid Assets / Assets | 13.48% | 11.55% | 14.09% | 13.12% | 3.17% | 11.84% | 26.79% | 26.02% | +1,289 bps | |