Mercer, WI · Charter 66498
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Mercer, WI · Charter 66498
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.20% | 0.84% | 1.58% | 2.43% | 2.23% | 2.60% | 1.70% | +12 bps | |
| Return on Equity | -2.23% | -1.28% | 6.88% | 12.53% | 17.54% | 18.70% | 21.71% | 15.12% | +259 bps | |
| Net Interest Margin | 4.43% | 4.05% | 4.99% | 5.19% | 6.17% | 5.58% | 7.19% | 7.27% | +209 bps | |
| Efficiency Ratio | 108.82% | 101.05% | 80.77% | 68.43% | 59.97% | 59.55% | 63.88% | 65.87% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.64% | 42.26% | 60.13% | 54.14% | 46.05% | 60.80% | 30.26% | 39.54% | -1,460 bps | |
| Loan Growth (YoY) | 12.26% | 6.58% | 38.76% | 115.54% | 151.18% | 142.50% | 118.84% | 92.33% | -2,321 bps | |
| Share Growth (YoY) | 27.00% | 54.71% | 74.80% | 64.51% | 52.43% | 67.70% | 30.54% | 41.83% | -2,268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 1.76% | 1.80% | 1.68% | 1.76% | 1.77% | 1.89% | 4.22% | +254 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 | 3.26% | 2.76% | 2.50% | 1.40% | 1.03% | 0.88% | 0.86% | 1.08% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.50% | 15.60% | 12.18% | 12.59% | 13.85% | 11.93% | 11.96% | 11.26% | -134 bps | |
| Net Worth / Assets | 17.50% | 15.60% | 12.18% | 12.59% | 13.85% | 11.93% | 11.96% | 11.26% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.16% | 69.44% | 57.95% | 77.68% | 109.02% | 100.41% | 97.15% | 105.33% | +2,765 bps | |
| Liquid Assets / Assets | 46.30% | 42.28% | 49.86% | 32.43% | 6.47% | 11.90% | 14.76% | 6.72% | -2,572 bps | |