Wausau, WI · Charter 66722
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Wausau, WI · Charter 66722
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.14% | -0.04% | -0.04% | -2.77% | -341 bps | |
| Return on Equity | 6.77% | 1.57% | -0.49% | -0.50% | -49.06% | -5,582 bps | |
| Net Interest Margin | 3.82% | 3.33% | 3.24% | 3.12% | 3.45% | -37 bps | |
| Efficiency Ratio | 84.94% | 95.60% | 99.75% | 99.78% | 143.47% | +5,853 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.88% | 15.73% | 10.18% | 22.77% | 12.86% | -302 bps | |
| Loan Growth (YoY) | 6.56% | 1.42% | -7.06% | 34.12% | 37.34% | +3,078 bps | |
| Share Growth (YoY) | 16.34% | 16.63% | 10.67% | 10.96% | 5.75% | -1,060 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 1.22% | 1.43% | 1.34% | 1.82% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.38% | 0.39% | 0.29% | 1.28% | +94 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.49% | 9.06% | 8.72% | 7.87% | 5.64% | -385 bps | |
| Net Worth / Assets | 9.49% | 9.06% | 8.72% | 7.87% | 5.64% | -385 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.48% | 68.33% | 66.95% | 97.10% | 98.03% | +2,255 bps | |
| Liquid Assets / Assets | 19.85% | 25.17% | 24.06% | 7.67% | 4.30% | -1,554 bps | |