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Badgerland

Whitewater, WI · Charter 66608

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

Badgerland

Whitewater, WI · Charter 66608

Q4 2000

$312KAssets
$240KLoans
$245KShares
$67KNet Worth

Executive Summary

  • Earnings: ROA of -0.21%, down 274 bps year over year; NIM at 6.68%.
  • Asset quality: problem loans at 0.71% of loans (-98 bps YoY).
  • Capital: net worth / assets of 21.30%.
  • Funding: loans stand at 97.87% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.21%-274 bps YoY

Net Interest Margin (YTD, annualized)

6.68%

Efficiency Ratio (YTD, annualized)

103.21%

Net Worth / Assets

21.30%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.69%2.93%2.85%2.53%2.81%0.52%-0.11%-0.21%-274 bps
Return on Equityn/an/an/an/an/an/an/a-1.01%n/an/a
Net Interest Marginn/an/an/an/an/a5.72%6.38%6.68%n/a
Efficiency Ration/an/an/an/an/a91.27%101.65%103.21%n/a
Growth
Asset Growth (YoY)2.69%4.01%7.82%10.71%15.67%6.48%-2.66%-11.55%-2,226 bps
Loan Growth (YoY)1.95%7.31%6.08%-5.69%-26.21%-6.17%16.53%16.45%+2,214 bps
Share Growth (YoY)1.83%3.81%8.95%12.83%18.88%7.39%-3.83%-14.62%-2,745 bps
Asset Quality
Delinquent Loans / Loans7.01%4.75%0.00%1.69%1.16%0.38%0.31%0.71%-98 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.18%2.14%2.52%2.69%2.96%2.28%2.16%1.70%-100 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a21.30%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a21.30%n/an/a
Liquidity & Funding
Loans / Shares100.48%103.85%79.45%71.76%62.37%90.74%96.27%97.87%+2,612 bps
Liquid Assets / Assets16.63%17.59%35.41%40.56%39.14%0.62%21.11%22.23%-1,833 bps