Appleton, WI · Charter 66552
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.
Appleton, WI · Charter 66552
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.19% | 4.29% | 1.37% | -0.26% | -11.35% | -6.01% | -6.98% | -7.32% | -706 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -37.20% | -57.56% | -73.05% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.03% | 5.46% | 5.94% | 5.11% | 5.17% | -86 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 78.67% | 92.92% | 91.73% | 89.58% | 120.82% | +4,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.99% | -1.58% | 0.57% | -6.91% | -9.99% | -16.57% | -19.93% | -18.14% | -1,123 bps | |
| Loan Growth (YoY) | 0.16% | 1.79% | -11.28% | -17.33% | -20.22% | -25.05% | -28.38% | -34.93% | -1,761 bps | |
| Share Growth (YoY) | -10.62% | -6.08% | -1.23% | -3.62% | -6.85% | -13.43% | -15.66% | -9.80% | -618 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.03% | 6.05% | 5.53% | 7.83% | 12.85% | 4.54% | 3.37% | 1.20% | -662 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 | 1.51% | 1.56% | 1.48% | 1.03% | 8.14% | 0.37% | 4.93% | 5.98% | +495 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 16.16% | 12.13% | 10.03% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 16.16% | 12.13% | 10.03% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.43% | 115.82% | 95.37% | 106.07% | 97.16% | 100.27% | 80.99% | 76.52% | -2,955 bps | |
| Liquid Assets / Assets | 5.46% | 4.41% | 19.15% | 0.00% | 0.00% | 13.78% | 30.33% | 33.84% | +3,384 bps | |