Madison, WI · Charter 66483
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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 66483
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.21% | -0.53% | -0.40% | -0.27% | 0.30% | -0.51% | -15.25% | -1,485 bps | |
| Return on Equity | -0.08% | -0.77% | -2.23% | -1.84% | -1.09% | 1.24% | -2.25% | -142.74% | -14,091 bps | |
| Net Interest Margin | 5.07% | 5.40% | 3.96% | 3.86% | 4.34% | 3.67% | 3.33% | -7.33% | -1,119 bps | |
| Efficiency Ratio | 100.38% | 103.86% | 113.31% | 110.47% | 106.25% | 91.92% | 115.35% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | 3.41% | 12.20% | 20.09% | -1.30% | 11.73% | 3.03% | -0.19% | -2,029 bps | |
| Loan Growth (YoY) | 12.41% | -7.03% | -20.84% | -26.63% | -24.07% | -24.77% | -10.15% | -13.49% | +1,314 bps | |
| Share Growth (YoY) | -5.24% | 5.40% | 17.34% | 28.79% | -0.77% | 16.47% | 4.34% | 11.25% | -1,754 bps | |
| Asset Quality | ||||||||||
| Delinquent 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 | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.83% | 0.88% | 0.98% | 0.99% | 1.10% | 0.98% | 1.13% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.99% | 26.95% | 23.68% | 22.01% | 24.86% | 23.93% | 22.73% | 10.68% | -1,133 bps | |
| Net Worth / Assets | 24.99% | 26.95% | 23.68% | 22.01% | 24.86% | 23.93% | 22.73% | 10.68% | -1,133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.28% | 82.07% | 66.04% | 53.63% | 62.20% | 53.01% | 56.86% | 41.70% | -1,193 bps | |
| Liquid Assets / Assets | 37.68% | 38.70% | 47.82% | 56.26% | 45.04% | 58.39% | 54.64% | 62.52% | +626 bps | |