Madison, WI · Charter 66436
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 66436
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.25% | -0.13% | 0.26% | -0.90% | -0.26% | 0.10% | -1.73% | -199 bps | |
| Return on Equity | -1.10% | -0.93% | -0.47% | 0.80% | -2.94% | -0.84% | 0.32% | -5.10% | -591 bps | |
| Net Interest Margin | 3.61% | 3.45% | 3.51% | 4.22% | 3.83% | 4.07% | 4.26% | 4.91% | +69 bps | |
| Efficiency Ratio | 108.42% | 107.01% | 103.46% | 94.16% | 120.39% | 106.25% | 97.84% | 106.42% | +1,226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.23% | 2.44% | 4.44% | -6.48% | -6.27% | -12.12% | -12.72% | -8.37% | -189 bps | |
| Loan Growth (YoY) | 13.10% | 7.16% | 10.86% | 14.03% | 3.83% | -3.76% | -10.19% | -6.55% | -2,058 bps | |
| Share Growth (YoY) | 18.49% | 3.42% | 6.18% | -5.94% | -8.78% | -16.96% | -17.93% | -14.31% | -836 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.01% | 3.52% | 0.73% | 0.34% | 3.25% | 1.33% | 3.63% | +290 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 | 1.52% | 1.76% | 1.04% | 0.78% | 0.84% | 0.85% | 0.85% | 2.03% | +124 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.79% | 27.02% | 26.80% | 32.56% | 30.73% | 30.92% | 31.05% | 33.81% | +125 bps | |
| Net Worth / Assets | 28.79% | 27.02% | 26.80% | 32.56% | 30.73% | 30.92% | 31.05% | 33.81% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.81% | 64.09% | 67.25% | 82.91% | 73.78% | 74.28% | 73.60% | 90.42% | +750 bps | |
| Liquid Assets / Assets | 53.09% | 52.68% | 49.94% | 40.71% | 47.79% | 47.57% | 48.19% | 40.32% | -39 bps | |