Sturtevant, WI · Charter 66696
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 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.
Sturtevant, WI · Charter 66696
Q2 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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.25% | 4.39% | 1.37% | 1.34% | -0.08% | 1.03% | -0.87% | -2.06% | -340 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -0.23% | 2.61% | -2.09% | -5.03% | n/a | |
| Net Interest Margin | n/a | n/a | 4.89% | 4.63% | 4.93% | 5.69% | 5.66% | 5.05% | +43 bps | |
| Efficiency Ratio | n/a | n/a | 80.57% | 99.40% | 98.96% | 103.59% | 104.37% | 151.91% | +5,251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.41% | -23.59% | -17.92% | -14.95% | 3.30% | -14.18% | -17.14% | -19.57% | -461 bps | |
| Loan Growth (YoY) | -29.45% | -22.73% | -25.14% | -6.54% | 18.06% | 9.46% | 7.39% | -22.04% | -1,549 bps | |
| Share Growth (YoY) | -43.44% | -33.41% | -29.32% | -23.66% | 2.88% | -22.02% | -23.09% | -27.28% | -362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.83% | 7.63% | 6.53% | 1.90% | 1.84% | 2.64% | 4.52% | 2.21% | +31 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 | 3.17% | 2.23% | 2.75% | 1.27% | 2.16% | 1.65% | 1.28% | 1.02% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 34.83% | 39.27% | 41.67% | 40.94% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 34.83% | 39.27% | 41.67% | 40.94% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.06% | 92.85% | 94.95% | 104.50% | 122.86% | 130.33% | 132.59% | 112.04% | +754 bps | |
| Liquid Assets / Assets | 26.34% | 34.97% | 31.33% | 26.69% | 16.25% | 16.88% | 17.04% | 29.15% | +246 bps | |