Cable, WI · Charter 67213
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 | 3.95% | 3.63% | 3.96% | 0.73% | -0.34% | 0.04% | -0.03% | -0.20% | -93 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.48% | -0.35% | -3.19% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.76% | 4.12% | 4.00% | 4.00% | 3.87% | +11 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 79.89% | 86.42% | 87.78% | 88.43% | 89.84% | +994 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.17% | 29.07% | 16.70% | 21.48% | 30.53% | 17.43% | 15.56% | 28.34% | +685 bps | |
| Loan Growth (YoY) | 24.27% | 6.10% | 29.53% | 40.44% | 24.32% | 31.68% | 3.76% | 1.99% | -3,845 bps | |
| Share Growth (YoY) | 19.08% | 31.31% | 17.50% | 20.84% | 32.67% | 17.66% | 15.98% | 32.99% | +1,215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.46% | 6.76% | 5.24% | 2.80% | 4.06% | 2.23% | 8.49% | 3.75% | +95 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 | 0.78% | 0.75% | 0.62% | 0.38% | 0.95% | 0.54% | 0.86% | 0.66% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.61% | 7.34% | 6.32% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.61% | 7.34% | 6.32% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.03% | 76.38% | 93.15% | 102.41% | 86.23% | 85.48% | 83.33% | 78.54% | -2,387 bps | |
| Liquid Assets / Assets | 8.67% | 27.97% | 7.89% | 0.00% | 1.66% | 19.32% | 21.11% | 25.26% | +2,526 bps | |