Kenosha, WI · Charter 24565
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kenosha, WI · Charter 24565
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.54% | -0.96% | -0.62% | -7.78% | -849 bps | |
| Return on Equity | 3.79% | 2.84% | -6.26% | -3.88% | -78.27% | -8,206 bps | |
| Net Interest Margin | 4.50% | 4.22% | 3.12% | 3.08% | -3.14% | -764 bps | |
| Efficiency Ratio | 82.33% | 83.69% | 93.98% | 94.80% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -7.41% | 0.90% | 18.52% | 17.92% | 6.34% | +1,374 bps | |
| Loan Growth (YoY) | -2.23% | 0.89% | -8.49% | -10.34% | -21.91% | -1,968 bps | |
| Share Growth (YoY) | -10.49% | -0.70% | 21.68% | 22.06% | 17.52% | +2,801 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 3.81% | 0.26% | 0.16% | 1.24% | -108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 1.83% | 0.98% | 1.05% | 0.94% | -77 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.67% | 19.10% | 15.36% | 15.90% | 9.94% | -872 bps | |
| Net Worth / Assets | 18.67% | 19.10% | 15.36% | 15.90% | 9.94% | -872 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.08% | 64.56% | 44.08% | 43.52% | 40.59% | -2,049 bps | |
| Liquid Assets / Assets | 48.87% | 46.34% | 61.20% | 62.03% | 62.37% | +1,350 bps | |