Wausau, WI · Cert 33994
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Wausau, WI · Cert 33994
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.22% | 1.20% | 1.18% | 1.17% | 1.17% | 1.05% | 1.15% | -3 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 | 2.98% | 2.90% | 2.86% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 45.88% | 52.59% | 48.64% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 1.06% | 1.24% | 1.08% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 16.08% | 17.08% | 18.72% | 19.59% | 13.98% | 8.64% | 14.58% | -414 bps | |
| Loan Growth (YoY) | 14.24% | 17.30% | 21.53% | 24.40% | 22.28% | 17.92% | 7.61% | 8.33% | -1,607 bps | |
| Deposit Growth (YoY) | 9.57% | 16.98% | 20.38% | 17.46% | 18.39% | 13.26% | 7.94% | 15.74% | -171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | 0.04% | 0.02% | 0.04% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.17% | 1.21% | 1.17% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.17% | 12.70% | 12.97% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 8.28% | 8.63% | 8.66% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.86% | 88.70% | 92.23% | 92.19% | 92.81% | 92.35% | 91.96% | 86.28% | -590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.27% | 12.93% | 12.04% | +1,204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |