Janesville, WI · Charter 66738
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.
Janesville, WI · Charter 66738
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 | 4.69% | -0.02% | 1.21% | 1.89% | -0.47% | -516 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 | 6.08% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 101.36% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -12.75% | -5.74% | -3.21% | -4.87% | -28.66% | -1,592 bps | |
| Loan Growth (YoY) | -35.03% | -24.33% | -39.91% | -15.58% | -61.54% | -2,651 bps | |
| Share Growth (YoY) | -1.44% | -7.30% | 0.85% | -2.59% | -22.71% | -2,127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.08% | 13.79% | 11.05% | 10.62% | 17.49% | +541 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.98% | 6.94% | 3.57% | 6.94% | 6.87% | +289 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 | 87.19% | 65.99% | 58.81% | 65.99% | 43.38% | -4,381 bps | |
| Liquid Assets / Assets | 15.56% | 35.27% | 41.43% | 46.40% | 0.00% | -1,556 bps | |