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Press-Gazette

Green Bay, WI · Charter 66531

Q2 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: Q2 2001, the quarter ended June 30, 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

Press-Gazette

Green Bay, WI · Charter 66531

Q2 2001

$1.3MAssets
$1.2MLoans
$1.1MShares
$240KNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, down 357 bps year over year; NIM at 5.73%.
  • Asset quality: problem loans at 5.54% of loans (+486 bps YoY).
  • Capital: net worth / assets of 18.13%.
  • Funding: loans stand at 116.80% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.65%-357 bps YoY

Net Interest Margin (YTD, annualized)

5.73%

Efficiency Ratio (YTD, annualized)

89.36%

Net Worth / Assets

18.13%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.16%3.54%2.51%4.22%0.45%1.05%1.24%0.65%-357 bps
Return on Equityn/an/an/an/an/an/a7.05%3.61%n/a
Net Interest Marginn/an/an/an/a4.98%5.92%6.13%5.73%n/a
Efficiency Ration/an/an/an/a91.30%83.26%80.79%89.36%n/a
Growth
Asset Growth (YoY)3.41%-7.10%18.05%-8.80%5.33%12.75%-16.26%2.63%+1,143 bps
Loan Growth (YoY)-7.07%1.49%-0.13%58.01%84.94%77.42%65.74%6.58%-5,143 bps
Share Growth (YoY)3.87%-9.12%21.73%-9.86%-8.68%14.68%-27.83%-1.77%+809 bps
Asset Quality
Delinquent Loans / Loans12.10%2.82%0.47%0.68%0.15%0.60%1.71%5.54%+486 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.06%2.07%1.15%0.87%0.97%1.04%1.06%1.17%+30 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a17.57%18.13%n/a
Net Worth / Assetsn/an/an/an/an/an/a17.57%18.13%n/a
Liquidity & Funding
Loans / Shares65.57%73.71%57.01%107.65%132.79%114.04%130.93%116.80%+915 bps
Liquid Assets / Assets43.23%36.27%36.19%5.55%0.00%0.00%0.43%4.22%-133 bps