Racine, WI · Charter 66540
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.
Racine, WI · Charter 66540
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.45% | 0.19% | 0.01% | -1.56% | -189 bps | |
| Return on Equity | n/a | n/a | 0.48% | 0.01% | -4.02% | n/a | |
| Net Interest Margin | 2.04% | 2.41% | 3.14% | 3.39% | 1.72% | -32 bps | |
| Efficiency Ratio | 76.16% | 73.99% | 73.89% | 28.98% | 114.88% | +3,872 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 43.83% | 27.63% | -15.69% | -22.68% | -22.15% | -6,597 bps | |
| Loan Growth (YoY) | 72.00% | 65.26% | -17.09% | -59.55% | -100.00% | -17,200 bps | |
| Share Growth (YoY) | 75.50% | 46.68% | -24.24% | -33.25% | -30.85% | -10,634 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.41% | 0.00% | 13.09% | 19.56% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.25% | 12.36% | 19.84% | 23.47% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 39.40% | 39.80% | 38.90% | n/a | |
| Net Worth / Assets | n/a | n/a | 39.40% | 39.80% | 38.90% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.53% | 37.25% | 33.93% | 19.74% | 0.00% | -3,553 bps | |
| Liquid Assets / Assets | 66.89% | 77.38% | 82.62% | 90.26% | 99.38% | +3,249 bps | |