New London, WI · Charter 66718
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 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.
New London, WI · Charter 66718
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.00% | 0.07% | 0.78% | -0.18% | 1.76% | 1.48% | 0.50% | -2.98% | -280 bps | |
| Return on Equity | 17.00% | 0.66% | 7.00% | -1.67% | 15.30% | 12.34% | 4.24% | -27.62% | -2,595 bps | |
| Net Interest Margin | 6.18% | 5.92% | 5.94% | 6.69% | 6.05% | 6.20% | 6.41% | 7.77% | +108 bps | |
| Efficiency Ratio | 71.01% | 73.78% | 71.52% | 72.90% | 71.82% | 75.46% | 75.77% | 76.07% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | -7.12% | -5.37% | -4.01% | 3.62% | -3.14% | -6.97% | -13.65% | -964 bps | |
| Loan Growth (YoY) | 1.98% | 1.67% | 1.39% | -1.85% | -3.29% | -4.39% | -4.57% | -11.86% | -1,001 bps | |
| Share Growth (YoY) | 0.84% | -9.12% | -7.59% | -0.11% | -0.39% | -4.40% | -7.80% | -12.24% | -1,214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.48% | 5.56% | 2.93% | 5.57% | 0.25% | 3.38% | 7.62% | 4.10% | -147 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 | 1.50% | 2.55% | 2.15% | 3.94% | 1.68% | 1.69% | 2.08% | 6.93% | +299 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.74% | 10.74% | 11.09% | 10.70% | 11.52% | 12.02% | 11.91% | 10.79% | +10 bps | |
| Net Worth / Assets | 11.74% | 10.74% | 11.09% | 10.70% | 11.52% | 12.02% | 11.91% | 10.79% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.45% | 93.91% | 92.10% | 100.10% | 90.74% | 93.93% | 95.32% | 100.54% | +44 bps | |
| Liquid Assets / Assets | 2.52% | 7.48% | 7.11% | 0.12% | 6.68% | 6.04% | 3.92% | 0.45% | +33 bps | |