Whitewater, WI · Charter 66608
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.
Whitewater, WI · Charter 66608
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 | 2.53% | 2.81% | 0.52% | -0.11% | -0.21% | -274 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -1.01% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.72% | 6.38% | 6.68% | n/a | |
| Efficiency Ratio | n/a | n/a | 91.27% | 101.65% | 103.21% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.71% | 15.67% | 6.48% | -2.66% | -11.55% | -2,226 bps | |
| Loan Growth (YoY) | -5.69% | -26.21% | -6.17% | 16.53% | 16.45% | +2,214 bps | |
| Share Growth (YoY) | 12.83% | 18.88% | 7.39% | -3.83% | -14.62% | -2,745 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 1.16% | 0.38% | 0.31% | 0.71% | -98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.69% | 2.96% | 2.28% | 2.16% | 1.70% | -100 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 21.30% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 21.30% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.76% | 62.37% | 90.74% | 96.27% | 97.87% | +2,612 bps | |
| Liquid Assets / Assets | 40.56% | 39.14% | 0.62% | 21.11% | 22.23% | -1,833 bps | |