Milwaukee, WI · Charter 66689
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Milwaukee, WI · Charter 66689
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.89% | 0.57% | 0.60% | 0.26% | 0.46% | 0.60% | 0.57% | -3 bps | |
| Return on Equity | n/a | n/a | 2.59% | 2.93% | 1.19% | 2.20% | 2.73% | 2.24% | -69 bps | |
| Net Interest Margin | 3.42% | 3.93% | 4.03% | 3.26% | 3.54% | 3.48% | 3.56% | 4.01% | +75 bps | |
| Efficiency Ratio | 78.85% | 73.62% | 71.15% | 79.81% | 82.30% | 81.10% | 79.38% | 82.96% | +315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.93% | 6.69% | 9.28% | 11.66% | 5.85% | 8.53% | 2.31% | -18.90% | -3,056 bps | |
| Loan Growth (YoY) | -27.88% | -9.77% | -0.99% | 11.47% | -4.06% | -15.31% | -25.11% | -33.03% | -4,450 bps | |
| Share Growth (YoY) | 18.69% | 7.40% | 10.95% | 13.83% | 6.78% | 10.79% | 2.50% | -23.41% | -3,723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.08% | 4.04% | 1.37% | 1.35% | 0.63% | 0.75% | 0.66% | 2.14% | +79 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 | 2.28% | 2.10% | 0.79% | 0.85% | 1.08% | 1.53% | 1.61% | 1.76% | +91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 22.00% | 20.49% | 21.75% | 20.91% | 21.95% | 25.46% | +498 bps | |
| Net Worth / Assets | n/a | n/a | 22.00% | 20.49% | 21.75% | 20.91% | 21.95% | 25.46% | +498 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.39% | 61.16% | 58.45% | 53.68% | 49.77% | 46.75% | 42.71% | 46.93% | -675 bps | |
| Liquid Assets / Assets | 42.75% | 0.00% | 48.56% | 45.03% | 47.87% | 41.44% | 64.35% | 50.32% | +529 bps | |