Colby, WI · Charter 67002
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.19% | 3.78% | 2.34% | 2.44% | 3.12% | -0.96% | 0.11% | -1.49% | -393 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -35.52% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.82% | 3.72% | 3.70% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 106.46% | 97.59% | 115.46% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.66% | 8.37% | 29.36% | 40.32% | 51.80% | 49.73% | 29.08% | 14.53% | -2,579 bps | |
| Loan Growth (YoY) | 6.15% | 12.52% | 34.13% | 44.39% | 58.46% | 59.21% | 34.78% | 21.96% | -2,242 bps | |
| Share Growth (YoY) | 16.08% | 6.22% | 30.99% | 40.87% | 60.88% | 46.40% | 21.18% | 19.28% | -2,159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.10% | 1.33% | 2.61% | 1.16% | 2.16% | 1.77% | 2.31% | 1.03% | -13 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 | 0.72% | 0.29% | 0.31% | 0.25% | 0.21% | 0.81% | 0.61% | 0.59% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.20% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.20% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.78% | 95.95% | 96.60% | 94.53% | 90.40% | 104.35% | 107.45% | 96.66% | +213 bps | |
| Liquid Assets / Assets | 6.89% | 6.50% | 5.11% | 8.20% | 5.21% | 0.03% | 0.03% | 2.03% | -616 bps | |