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Lakeport

Manitowoc, WI · Charter 66557

Q4 2000

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: 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.

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

Lakeport

Manitowoc, WI · Charter 66557

Q4 2000

$4.6MAssets
$3.3MLoans
$3.9MShares
$645KNet Worth

Executive Summary

  • Earnings: ROA of -1.52%, down 453 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 0.23% of loans (-23 bps YoY).
  • Capital: net worth / assets of 14.09%.
  • Funding: loans stand at 84.45% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-1.52%-453 bps YoY

Net Interest Margin (YTD, annualized)

4.69%

Efficiency Ratio (YTD, annualized)

128.68%

Net Worth / Assets

14.09%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.12%3.20%3.03%3.02%2.21%1.72%-1.02%-1.52%-453 bps
Return on Equityn/an/an/an/an/an/an/a-10.77%n/an/a
Net Interest Marginn/an/an/an/an/a4.30%4.44%4.69%n/a
Efficiency Ration/an/an/an/an/a72.69%121.72%128.68%n/a
Growth
Asset Growth (YoY)6.31%4.58%3.16%8.14%14.65%7.11%10.13%0.24%-790 bps
Loan Growth (YoY)-6.71%1.29%9.42%-1.34%-15.87%-21.13%-18.44%10.56%+1,190 bps
Share Growth (YoY)9.56%3.26%1.79%7.08%14.28%4.86%9.55%0.33%-675 bps
Asset Quality
Delinquent Loans / Loans2.42%0.61%0.33%0.46%0.83%0.71%0.59%0.23%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.82%0.69%0.58%0.69%0.70%0.54%0.27%-31 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a14.09%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a14.09%n/an/a
Liquidity & Funding
Loans / Shares81.29%84.50%88.76%76.64%59.84%63.55%66.08%84.45%+781 bps
Liquid Assets / Assets21.56%18.41%16.01%26.36%44.09%7.47%5.11%12.91%-1,345 bps