Sheboygan, WI · Charter 67179
Q4 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 3.60% | 3.41% | 0.67% | 0.71% | 0.63% | 0.20% | 0.06% | -62 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.98% | 1.76% | 0.50% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.38% | 4.23% | 4.11% | 3.64% | 3.84% | -54 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.57% | 82.80% | 83.66% | 91.02% | 89.22% | +865 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.21% | 11.53% | 12.24% | 17.87% | 22.09% | 18.58% | 22.45% | 20.11% | +224 bps | |
| Loan Growth (YoY) | 9.24% | 3.81% | 8.10% | 25.33% | 27.22% | 22.26% | 19.01% | 4.30% | -2,103 bps | |
| Share Growth (YoY) | 7.58% | 11.28% | 12.74% | 14.92% | 17.30% | 19.53% | 23.48% | 26.55% | +1,163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 2.43% | 1.67% | 1.61% | 1.44% | 1.85% | 2.62% | 2.80% | +119 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 | 1.07% | 0.93% | 0.97% | 0.92% | 0.91% | 0.58% | 0.77% | 1.00% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.58% | 11.38% | 11.48% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.58% | 11.38% | 11.48% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.55% | 92.78% | 86.48% | 104.36% | 102.54% | 94.91% | 83.35% | 86.01% | -1,835 bps | |
| Liquid Assets / Assets | 7.29% | 6.87% | 13.38% | 0.64% | 1.61% | 3.84% | 1.10% | 5.86% | +522 bps | |