Manitowoc, WI · Charter 66557
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Manitowoc, WI · Charter 66557
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.02% | 2.21% | 1.72% | -1.02% | -1.52% | -453 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -10.77% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.30% | 4.44% | 4.69% | n/a | |
| Efficiency Ratio | n/a | n/a | 72.69% | 121.72% | 128.68% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.14% | 14.65% | 7.11% | 10.13% | 0.24% | -790 bps | |
| Loan Growth (YoY) | -1.34% | -15.87% | -21.13% | -18.44% | 10.56% | +1,190 bps | |
| Share Growth (YoY) | 7.08% | 14.28% | 4.86% | 9.55% | 0.33% | -675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.83% | 0.71% | 0.59% | 0.23% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.69% | 0.70% | 0.54% | 0.27% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 14.09% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 14.09% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.64% | 59.84% | 63.55% | 66.08% | 84.45% | +781 bps | |
| Liquid Assets / Assets | 26.36% | 44.09% | 7.47% | 5.11% | 12.91% | -1,345 bps | |