Milwaukee, WI · Charter 66452
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Milwaukee, WI · Charter 66452
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.13% | 3.77% | 4.21% | 1.11% | 1.39% | 1.59% | 1.37% | 0.01% | -110 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.72% | 3.33% | 0.03% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.88% | 4.53% | 4.76% | 4.98% | 4.70% | -19 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 78.64% | 68.18% | 66.57% | 73.07% | 83.94% | +530 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -2.52% | -0.60% | 3.79% | 4.49% | 5.07% | 5.43% | 3.06% | -74 bps | |
| Loan Growth (YoY) | -9.27% | -4.87% | -0.19% | -8.14% | 0.63% | -5.33% | 4.50% | 6.95% | +1,509 bps | |
| Share Growth (YoY) | -4.39% | -9.31% | -5.68% | 2.23% | 2.99% | 5.26% | 5.49% | 2.52% | +30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.78% | 0.50% | 1.77% | 3.03% | 1.36% | 1.78% | 2.03% | +26 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 | 1.42% | 1.30% | 1.21% | 1.17% | 1.35% | 1.55% | 1.31% | 1.03% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 42.80% | 41.26% | 41.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 42.80% | 41.26% | 41.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.60% | 74.70% | 74.23% | 70.39% | 65.08% | 67.19% | 73.53% | 73.43% | +304 bps | |
| Liquid Assets / Assets | 57.37% | 53.38% | 54.85% | 9.79% | 9.39% | 31.19% | 55.44% | 37.10% | +2,731 bps | |