Fond Du Lac, WI · Charter 66667
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Fond Du Lac, WI · Charter 66667
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.08% | -0.28% | 0.07% | 0.10% | 0.16% | 0.27% | 0.01% | -6 bps | |
| Return on Equity | 3.00% | 0.64% | -2.23% | 0.59% | 0.83% | 1.19% | 2.01% | 0.19% | -40 bps | |
| Net Interest Margin | 3.87% | 3.68% | 3.06% | 2.89% | 2.84% | 3.04% | 2.95% | 2.90% | +1 bps | |
| Efficiency Ratio | 75.71% | 86.63% | 109.26% | 97.43% | 96.37% | 94.81% | 90.93% | 99.53% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.46% | 9.36% | 6.97% | 0.45% | 4.34% | -1.76% | -2.30% | -4.53% | -499 bps | |
| Loan Growth (YoY) | -21.16% | -17.60% | -25.17% | -26.15% | -17.75% | -13.52% | -0.88% | -13.14% | +1,300 bps | |
| Share Growth (YoY) | 24.15% | 13.29% | 8.05% | 0.35% | 5.14% | -2.18% | -2.95% | 1.12% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.22% | 4.58% | 1.66% | 4.16% | 2.75% | 4.32% | 5.38% | 1.97% | -219 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 | 4.17% | 4.49% | 3.64% | 3.59% | 3.54% | 3.58% | 3.68% | 4.14% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.01% | 12.80% | 12.72% | 12.58% | 12.35% | 13.19% | 13.32% | 7.41% | -517 bps | |
| Net Worth / Assets | 13.01% | 12.80% | 12.72% | 12.58% | 12.35% | 13.19% | 13.32% | 7.41% | -517 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.17% | 61.09% | 51.88% | 51.48% | 50.98% | 54.01% | 52.99% | 44.22% | -726 bps | |
| Liquid Assets / Assets | 44.14% | 47.62% | 49.87% | 50.18% | 50.63% | 43.99% | 44.79% | 58.76% | +859 bps | |