Madison, WI · Charter 66412
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Madison, WI · Charter 66412
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | 0.37% | -0.40% | -0.18% | -2.36% | -1.62% | -0.50% | -21.60% | -2,142 bps | |
| Return on Equity | n/a | n/a | n/a | -0.70% | -9.54% | -6.38% | -2.27% | -304% | -30,341 bps | |
| Net Interest Margin | n/a | 5.01% | 4.44% | 4.63% | 4.74% | 4.58% | 3.78% | -11.30% | -1,593 bps | |
| Efficiency Ratio | n/a | 90.74% | 105.50% | 100.53% | 103.37% | 104.96% | 101.72% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.47% | -11.66% | -13.88% | -10.81% | -11.84% | -7.30% | 8.46% | 6.32% | +1,713 bps | |
| Loan Growth (YoY) | -3.39% | -15.01% | -26.89% | -21.36% | -18.81% | -14.63% | -0.61% | -6.05% | +1,532 bps | |
| Share Growth (YoY) | -5.77% | -16.29% | -18.21% | -14.36% | -14.21% | -7.50% | 13.66% | 33.94% | +4,829 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 7.99% | 4.43% | 12.20% | 12.46% | 18.20% | 13.33% | 10.48% | -171 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 | 0.71% | 0.85% | 0.62% | 0.74% | 2.44% | 2.84% | 3.27% | 7.23% | +649 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 26.36% | 24.75% | 25.35% | 21.93% | 7.10% | -1,926 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 26.36% | 24.75% | 25.35% | 21.93% | 7.10% | -1,926 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.08% | 99.61% | 86.95% | 93.99% | 88.09% | 91.93% | 76.04% | 65.94% | -2,806 bps | |
| Liquid Assets / Assets | 21.69% | 2.91% | 25.41% | 27.97% | 32.26% | 30.44% | 39.96% | 41.02% | +1,305 bps | |