Milwaukee, WI · Charter 67169
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.18% | 3.70% | 3.09% | 3.34% | 3.01% | 3.35% | 2.88% | 0.78% | -256 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 | -4.41% | 3.80% | 2.60% | 4.87% | 9.70% | 1.61% | -219 bps | |
| Loan Growth (YoY) | n/a | n/a | 10.07% | 13.48% | 11.74% | 7.76% | 11.63% | 3.12% | -1,036 bps | |
| Share Growth (YoY) | n/a | n/a | -6.94% | 1.71% | -0.98% | 3.11% | 8.11% | 2.42% | +71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.54% | 2.34% | 3.71% | 5.27% | 3.62% | 5.54% | 3.76% | 1.79% | -348 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 | 2.77% | 2.40% | 2.69% | 1.93% | 1.96% | 1.65% | 1.20% | 2.65% | +71 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 | 67.68% | 78.06% | 72.31% | 76.75% | 76.37% | 81.58% | 74.67% | 77.28% | +52 bps | |
| Liquid Assets / Assets | 31.12% | 29.57% | 29.52% | 28.36% | 30.11% | 25.58% | 29.82% | 23.23% | -513 bps | |