Madison, WI · Charter 67207
Q2 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.96% | 5.62% | 5.14% | 5.12% | 4.74% | 3.59% | 1.16% | 0.70% | -442 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 | 4.94% | 4.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 63.09% | 74.98% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -27.42% | -25.96% | -18.05% | -18.71% | -19.04% | -12.00% | -17.70% | -1.80% | +1,691 bps | |
| Loan Growth (YoY) | -10.62% | -2.17% | -5.75% | -4.57% | -11.57% | -28.66% | -24.53% | -30.72% | -2,615 bps | |
| Share Growth (YoY) | -32.68% | -32.11% | -24.09% | -26.58% | -27.32% | -18.91% | -25.97% | 7.72% | +3,429 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.71% | 9.36% | 2.35% | 1.66% | 4.50% | 7.91% | 8.58% | 15.11% | +1,344 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 | 5.48% | 6.56% | 8.45% | 10.65% | 12.99% | 12.54% | 13.71% | 17.85% | +721 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 | 42.36% | 48.67% | 47.46% | 52.51% | 51.55% | 42.82% | 48.38% | 33.78% | -1,874 bps | |
| Liquid Assets / Assets | 64.01% | 58.06% | 62.96% | 58.21% | 63.07% | 61.92% | 0.00% | 63.87% | +566 bps | |