Kenosha, WI · Charter 66767
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.
Kenosha, WI · Charter 66767
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 | 4.64% | 4.11% | -0.05% | -1.83% | -1.31% | 0.03% | 0.41% | -2.31% | -49 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -17.72% | 0.40% | 4.78% | -24.80% | n/a | |
| Net Interest Margin | n/a | n/a | 4.71% | 5.01% | 5.33% | 4.67% | 5.15% | 4.11% | -90 bps | |
| Efficiency Ratio | n/a | n/a | 72.02% | 81.79% | 83.08% | 99.36% | 92.45% | 152.26% | +7,048 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 19.72% | 22.12% | 2.27% | -3.27% | -12.02% | -24.56% | -28.72% | -3,099 bps | |
| Loan Growth (YoY) | 14.80% | 0.88% | 2.08% | -3.34% | -8.11% | -11.62% | -22.27% | -42.77% | -3,943 bps | |
| Share Growth (YoY) | 5.97% | 19.54% | 23.97% | 4.18% | -1.58% | -11.07% | -25.91% | -30.24% | -3,442 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.65% | 4.93% | 4.17% | 5.49% | 2.56% | 2.70% | 3.53% | 2.25% | -324 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 | 0.65% | 0.90% | 1.92% | 3.77% | 3.44% | 3.73% | 4.17% | 4.51% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 7.42% | 7.57% | 8.51% | 9.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 7.42% | 7.57% | 8.51% | 9.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.06% | 79.23% | 78.44% | 85.67% | 83.15% | 78.74% | 82.29% | 70.28% | -1,539 bps | |
| Liquid Assets / Assets | 16.92% | 25.84% | 16.33% | 17.67% | 22.13% | 26.61% | 24.46% | 36.16% | +1,849 bps | |