PackageTrendsPeer
Letter portraitLegal landscape

Bank of Waunakee

Waunakee, WI · Cert 10744

FDIC

Q2 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Waunakee

Waunakee, WI · Cert 10744

FDIC

Q2 2002

$102.2MAssets
$58.1MLoans
$94.0MDeposits
$6.5MEquity
Loan mix
30%RE $9.5M69%C&I $21.6M1%Consumer $0.5MQ2 2001Q2 2002
Deposit mix
90%Interest-bearing $84.9M10%Noninterest $9.0MQ2 2001Q2 2002

NIM

7.66%Q1 ’016.83%Q2 ’015.59%Q2 ’02-20%-47%

Non-interest income vs. expense

2.52%Q1 ’012.32%Q2 ’012.49%Q2 ’02-8%+12%

Executive Summary

  • Earnings: ROA of -0.35%, down 73 bps year over year; NIM at 1.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 61.86% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.35%-73 bps YoY

Net Interest Margin (YTD, annualized)

1.26%-110 bps YoY

Efficiency Ratio (YTD, annualized)

146.35%+6,475 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.39%0.27%0.08%-0.23%-0.35%-73 bps
Return on Equityn/an/an/a-3.87%-5.69%n/a
Net Interest Margin2.36%2.03%1.81%1.25%1.26%-110 bps
Efficiency Ratio81.60%87.28%91.95%133.64%146.35%+6,475 bps
Non-Interest Burden1.84%1.71%1.63%1.80%2.05%+21 bps
Growth
Asset Growth (YoY)14.74%21.78%24.76%12.70%1.20%-1,355 bps
Loan Growth (YoY)-1.57%-4.12%-9.53%-5.62%-3.69%-213 bps
Deposit Growth (YoY)23.85%26.91%26.13%14.18%1.83%-2,202 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.16%0.33%0.00%0.03%-20 bps
Allowance / Loans1.15%1.18%1.26%1.25%1.24%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.33%10.43%10.35%10.56%10.58%+25 bps
Equity / Assets6.72%6.51%5.89%6.07%6.34%-38 bps
Liquidity & Funding
Loans / Deposits65.41%60.11%53.46%61.56%61.86%-355 bps
Liquid Assets / Assets1.07%1.02%0.98%1.07%1.08%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a