Grafton, WI · Charter 66747
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.
Grafton, WI · Charter 66747
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 | 2.57% | 3.20% | 0.67% | 0.51% | 0.98% | -0.09% | -1.02% | -1.00% | -151 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.12% | -0.71% | -7.07% | -8.61% | n/a | |
| Net Interest Margin | n/a | n/a | 6.43% | 5.24% | 6.81% | 5.16% | 5.44% | 4.49% | -76 bps | |
| Efficiency Ratio | n/a | n/a | 84.85% | 76.96% | 79.06% | 101.77% | 116.54% | 92.43% | +1,546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.75% | 4.83% | -1.00% | -0.77% | -15.73% | -1.28% | -3.86% | -6.19% | -542 bps | |
| Loan Growth (YoY) | 10.60% | 15.78% | 9.56% | -1.78% | -6.29% | -12.83% | -17.24% | -35.19% | -3,341 bps | |
| Share Growth (YoY) | 18.30% | 4.98% | -1.94% | -1.89% | -19.53% | -2.86% | -4.56% | -6.13% | -424 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.72% | 0.92% | 4.49% | 3.36% | 5.92% | 3.78% | 1.16% | -333 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 | 1.03% | 1.31% | 1.66% | 2.22% | 1.95% | 2.15% | 1.00% | 0.71% | -150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.94% | 13.19% | 14.46% | 11.61% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.94% | 13.19% | 14.46% | 11.61% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.43% | 83.71% | 91.40% | 77.15% | 100.65% | 75.11% | 79.25% | 53.27% | -2,388 bps | |
| Liquid Assets / Assets | 17.61% | 25.14% | 10.59% | 23.31% | 15.25% | 34.14% | 31.22% | 51.50% | +2,819 bps | |