PackageTrendsPeer
Letter portraitLegal landscape

Dynamatic Employees

Kenosha, WI · Charter 66572

Q4 2001

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 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.

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

Dynamatic Employees

Kenosha, WI · Charter 66572

Q4 2001

$1.3MAssets
$755KLoans
$837KShares
$455KNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, up 18 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 0.61% of loans (-5 bps YoY).
  • Capital: net worth / assets of 35.12%.
  • Funding: loans stand at 90.12% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.74%+18 bps YoY

Net Interest Margin (YTD, annualized)

5.09%+62 bps YoY

Efficiency Ratio (YTD, annualized)

85.74%-231 bps YoY

Net Worth / Assets

35.12%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.63%2.44%2.51%0.56%0.70%0.96%0.12%0.74%+18 bps
Return on Equityn/an/an/an/an/a2.99%0.35%2.11%n/a
Net Interest Marginn/an/an/a4.47%4.65%4.41%4.38%5.09%+62 bps
Efficiency Ration/an/an/a88.05%85.05%78.47%97.32%85.74%-231 bps
Growth
Asset Growth (YoY)-10.36%-9.68%-6.30%-6.47%-10.88%-3.61%-13.26%-10.92%-445 bps
Loan Growth (YoY)-16.20%13.46%15.33%26.65%2.66%21.42%20.38%5.54%-2,111 bps
Share Growth (YoY)-14.14%-14.43%-9.47%-10.17%-16.68%-18.87%-20.21%-17.52%-735 bps
Asset Quality
Delinquent Loans / Loans0.74%0.46%0.36%0.66%0.40%0.43%0.71%0.61%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.16%2.65%2.88%2.82%2.77%2.20%2.39%2.67%-15 bps
Capital
Risk-Based Capitaln/an/an/an/an/a32.00%34.07%35.12%n/a
Net Worth / Assetsn/an/an/an/an/a32.00%34.07%35.12%n/a
Liquidity & Funding
Loans / Shares65.29%73.72%65.03%70.43%80.44%110.34%98.10%90.12%+1,969 bps
Liquid Assets / Assets38.57%33.70%46.32%17.21%29.74%19.04%27.41%32.96%+1,575 bps