Superior, WI · Cert 35347
FDIC
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.
Superior, WI · Cert 35347
FDIC
Q4 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.49% | 1.59% | 1.68% | 2.10% | 2.05% | 2.00% | 1.99% | +30 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 20.56% | 19.87% | 19.14% | 18.84% | n/a | |
| Net Interest Margin | 3.59% | 3.98% | 4.13% | 4.17% | 4.51% | 4.40% | 4.22% | 4.24% | +7 bps | |
| Efficiency Ratio | 59.27% | 53.82% | 51.69% | 50.55% | 44.80% | 45.46% | 46.35% | 46.03% | -451 bps | |
| Non-Interest Burden | 1.91% | 1.82% | 1.80% | 1.75% | 1.58% | 1.55% | 1.55% | 1.54% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.06% | -10.15% | -4.73% | -6.48% | 0.54% | 13.13% | 12.37% | 9.64% | +1,612 bps | |
| Loan Growth (YoY) | 14.50% | 2.04% | 2.71% | 1.95% | 2.64% | 5.80% | 7.46% | 12.56% | +1,061 bps | |
| Deposit Growth (YoY) | 21.19% | -5.10% | -5.53% | -3.34% | -0.11% | 12.05% | 12.60% | 8.11% | +1,144 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 | 0.00% | 0.05% | 0.04% | 0.05% | 0.06% | 0.04% | 0.05% | 0.07% | +1 bps | |
| Allowance / Loans | 0.92% | 0.96% | 1.04% | 1.08% | 1.05% | 1.01% | 1.01% | 0.95% | -13 bps | |
| 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 | 11.38% | 13.00% | 13.58% | 14.59% | 14.09% | 14.21% | 15.01% | 14.90% | +31 bps | |
| Equity / Assets | 8.93% | 10.03% | 10.30% | 10.12% | 10.32% | 10.43% | 10.81% | 10.99% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.92% | 88.13% | 83.75% | 77.08% | 82.12% | 83.21% | 79.93% | 80.25% | +318 bps | |
| Liquid Assets / Assets | 2.64% | 0.03% | 0.02% | 0.06% | 4.76% | 4.49% | 4.44% | 4.42% | +436 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |