PackageTrendsPeer
Letter portraitLegal landscape

State Capitol

Madison, WI · Charter 66524

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Capitol

Madison, WI · Charter 66524

Q1 2001

$332.3MAssets
$259.4MLoans
$298.5MShares
$27.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.79%, up 22 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.76% of loans (-52 bps YoY).
  • Capital: net worth / assets of 8.38%.
  • Funding: loans stand at 86.90% of shares as of Q1 2001.

Return on Assets (YTD, annualized)

0.79%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-19 bps YoY

Efficiency Ratio (YTD, annualized)

69.87%-341 bps YoY

Net Worth / Assets

8.38%

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets4.74%1.07%1.01%0.57%0.62%0.72%0.76%0.79%+22 bps
Return on Equityn/an/an/an/an/an/a8.92%9.39%n/a
Net Interest Marginn/a3.73%3.51%3.58%3.52%3.58%3.50%3.39%-19 bps
Efficiency Ration/a64.90%65.15%73.28%72.27%70.84%69.76%69.87%-341 bps
Growth
Asset Growth (YoY)12.02%8.28%11.45%11.13%12.83%12.07%6.74%10.36%-76 bps
Loan Growth (YoY)9.38%0.41%-1.84%-0.57%5.66%12.51%19.01%20.80%+2,137 bps
Share Growth (YoY)12.07%8.00%10.62%9.99%10.93%10.35%5.52%9.60%-39 bps
Asset Quality
Delinquent Loans / Loans1.05%1.07%1.10%1.29%1.16%1.10%0.97%0.76%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.74%0.79%0.92%0.87%0.86%0.86%0.96%+4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a8.56%8.38%n/a
Net Worth / Assetsn/an/an/an/an/an/a8.56%8.38%n/a
Liquidity & Funding
Loans / Shares86.01%86.19%79.23%78.84%81.93%87.88%89.35%86.90%+806 bps
Liquid Assets / Assets11.75%6.36%2.65%3.01%3.16%2.68%4.28%9.80%+679 bps