Menasha, WI · Charter 66756
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Menasha, WI · Charter 66756
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.13% | 3.25% | 2.98% | 0.10% | 0.21% | 0.26% | 0.11% | -17.91% | -1,801 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 1.15% | 0.52% | -167.18% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.55% | 3.92% | 4.34% | 4.25% | 5.23% | +168 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 86.97% | 82.42% | 83.00% | 90.86% | 242% | +15,539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.82% | 12.15% | 16.65% | 11.39% | 0.63% | -7.91% | -7.56% | -27.61% | -3,900 bps | |
| Loan Growth (YoY) | -0.79% | 10.35% | -8.41% | -3.64% | 6.38% | 8.27% | -8.10% | -28.86% | -2,522 bps | |
| Share Growth (YoY) | 6.29% | 13.64% | 20.14% | 14.12% | 0.28% | -10.40% | -9.85% | -24.56% | -3,868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 2.28% | 2.92% | 3.19% | 2.59% | 4.40% | 1.82% | 4.49% | +130 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 | 1.07% | 1.48% | 1.67% | 0.97% | 1.23% | 1.55% | 1.97% | 18.18% | +1,722 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 22.57% | 21.01% | 10.72% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 22.57% | 21.01% | 10.72% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.73% | 83.86% | 75.83% | 83.02% | 87.76% | 101.32% | 77.30% | 78.29% | -473 bps | |
| Liquid Assets / Assets | 20.36% | 18.71% | 22.62% | 0.00% | 18.32% | 10.00% | 38.60% | 45.00% | +4,500 bps | |