Fond Du Lac, WI · Charter 67192
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 4.59% | 4.06% | 4.33% | 4.57% | 0.21% | 1.18% | -1.20% | -553 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -28.88% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.08% | 4.23% | 3.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 80.34% | 66.94% | 89.89% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.91% | 32.74% | 46.94% | 46.94% | 37.42% | 44.56% | 37.51% | 38.90% | -804 bps | |
| Loan Growth (YoY) | 5.79% | 10.10% | 22.60% | 44.29% | 50.79% | 68.32% | 58.37% | 38.21% | -608 bps | |
| Share Growth (YoY) | 28.31% | 43.36% | 49.77% | 48.83% | 37.40% | 34.82% | 27.96% | 32.81% | -1,602 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 1.77% | 1.97% | 0.71% | 2.09% | 0.99% | 0.38% | 1.99% | +128 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 | 1.48% | 0.83% | 0.97% | 1.01% | 0.94% | 1.08% | 0.63% | 1.89% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.15% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.15% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.77% | 90.51% | 89.01% | 101.40% | 104.01% | 113.00% | 110.16% | 105.52% | +412 bps | |
| Liquid Assets / Assets | 10.60% | 9.07% | 13.03% | 1.25% | 0.04% | 0.00% | 0.00% | 5.70% | +445 bps | |