Portage, WI · Charter 66636
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Portage, WI · Charter 66636
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.87% | 0.60% | 0.88% | -1.01% | -10.52% | -1,239 bps | |
| Return on Equity | 7.42% | 2.62% | 3.81% | -4.78% | -69.62% | -7,704 bps | |
| Net Interest Margin | 7.42% | 6.22% | 6.15% | 6.89% | 0.36% | -706 bps | |
| Efficiency Ratio | 62.27% | 74.74% | 71.61% | 62.35% | 1045% | +98,243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.65% | 7.23% | 11.82% | 9.32% | 13.85% | +620 bps | |
| Loan Growth (YoY) | 9.21% | 5.08% | 2.64% | -2.00% | -6.43% | -1,564 bps | |
| Share Growth (YoY) | 5.01% | 5.10% | 12.23% | 11.53% | 31.34% | +2,633 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 6.55% | 8.70% | 7.26% | 8.39% | +839 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.14% | 1.90% | 2.05% | 2.98% | 7.07% | +393 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.18% | 22.76% | 23.00% | 21.03% | 15.11% | -1,008 bps | |
| Net Worth / Assets | 25.18% | 22.76% | 23.00% | 21.03% | 15.11% | -1,008 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.82% | 84.44% | 86.92% | 75.96% | 71.12% | -2,870 bps | |
| Liquid Assets / Assets | 27.50% | 35.96% | 34.23% | 41.35% | 43.00% | +1,549 bps | |