Milwaukee, WI · Charter 67228
Q4 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.48% | 2.59% | 2.97% | 0.64% | 1.81% | 3.36% | 3.09% | +12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 24.63% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.61% | 4.73% | 4.32% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 60.87% | 29.05% | 31.08% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.52% | -16.80% | -16.43% | -13.14% | 11.42% | -0.74% | 35.50% | 37.61% | +5,075 bps | |
| Loan Growth (YoY) | -27.52% | -13.95% | -18.23% | -18.11% | -45.51% | -48.36% | -58.81% | -46.51% | -2,840 bps | |
| Share Growth (YoY) | -13.01% | -12.72% | -13.23% | -10.64% | 7.25% | -7.79% | 29.54% | 38.92% | +4,957 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 5.31% | 0.00% | 14.58% | 10.94% | 67.16% | 92.31% | +9,231 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 | 33.40% | 33.40% | 38.65% | 62.27% | 72.19% | 76.72% | 99.52% | 123.42% | +6,115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.54% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.54% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 8.11% | 8.11% | 9.04% | 5.73% | 4.12% | 4.54% | 2.88% | 2.20% | -352 bps | |
| Liquid Assets / Assets | 77.49% | 77.68% | 87.37% | 88.19% | 72.85% | 42.52% | 34.61% | 97.45% | +926 bps | |