Butler, WI · Charter 66676
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Butler, WI · Charter 66676
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.81% | 2.39% | 2.63% | 1.86% | -2.40% | -521 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.35% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 132.49% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.26% | -4.51% | -0.22% | 0.96% | 1.70% | -756 bps | |
| Loan Growth (YoY) | 18.02% | 14.61% | -1.46% | 7.72% | 30.30% | +1,228 bps | |
| Share Growth (YoY) | 8.21% | -5.88% | -1.04% | 1.03% | -0.91% | -913 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.57% | 0.87% | 0.68% | 0.49% | 1.13% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.71% | 1.23% | 1.07% | 0.88% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.41% | 80.87% | 85.43% | 75.33% | 107.05% | +2,565 bps | |
| Liquid Assets / Assets | 16.98% | 19.29% | 11.92% | 23.29% | 2.96% | -1,401 bps | |