Milwaukee, WI · Charter 66559
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.
Milwaukee, WI · Charter 66559
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 | 4.21% | 4.07% | 3.41% | 0.44% | -2.24% | -1.73% | -3.56% | -5.85% | -629 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -11.73% | -28.83% | -71.68% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.03% | 4.83% | 4.14% | 4.88% | 4.34% | +31 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 92.44% | 116.11% | 126.67% | 100.90% | 177.78% | +8,533 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.27% | 0.72% | -2.98% | -4.57% | 1.09% | 3.57% | 7.29% | 10.52% | +1,509 bps | |
| Loan Growth (YoY) | 1.71% | -2.19% | 0.00% | 0.52% | 30.06% | 32.69% | 44.49% | 18.75% | +1,823 bps | |
| Share Growth (YoY) | 5.38% | -1.83% | -5.64% | -6.96% | -5.66% | 6.36% | 13.07% | 21.37% | +2,833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 0.50% | 1.59% | 0.48% | 2.69% | 6.32% | 7.32% | 2.79% | +231 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 | 0.96% | 0.73% | 0.70% | 0.53% | 0.95% | 0.66% | 2.46% | 1.69% | +117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 14.75% | 12.36% | 8.16% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 14.75% | 12.36% | 8.16% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.95% | 77.35% | 76.72% | 86.43% | 104.71% | 96.50% | 98.05% | 84.57% | -186 bps | |
| Liquid Assets / Assets | 28.84% | 28.19% | 30.45% | 4.15% | 6.52% | 9.60% | 7.60% | 17.72% | +1,357 bps | |