Chippewa Falls, WI · Charter 66774
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Chippewa Falls, WI · Charter 66774
Q4 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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.19% | 0.18% | 0.10% | 0.08% | 0.15% | 0.47% | 0.16% | +6 bps | |
| Return on Equity | n/a | n/a | 1.49% | 0.79% | 0.65% | 1.25% | 3.69% | 2.91% | +212 bps | |
| Net Interest Margin | 2.83% | 3.22% | 3.29% | 3.53% | 3.13% | 3.29% | 3.64% | 3.45% | -8 bps | |
| Efficiency Ratio | 92.65% | 91.18% | 91.57% | 94.11% | 94.45% | 92.26% | 84.06% | 92.25% | -186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.09% | 6.99% | -0.84% | -17.82% | -9.30% | -3.97% | -4.57% | 5.25% | +2,307 bps | |
| Loan Growth (YoY) | -17.32% | 9.62% | 23.72% | 8.91% | -2.66% | -30.97% | -38.90% | -46.52% | -5,543 bps | |
| Share Growth (YoY) | 21.08% | 7.20% | -1.31% | -20.24% | -10.66% | -4.72% | -5.63% | 14.08% | +3,431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.44% | 2.72% | 4.08% | +408 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 | 1.16% | 0.95% | 1.03% | 1.20% | 1.73% | 1.93% | 2.23% | 2.81% | +161 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 11.84% | 12.95% | 11.79% | 12.19% | 12.85% | 5.61% | -734 bps | |
| Net Worth / Assets | n/a | n/a | 11.84% | 12.95% | 11.79% | 12.19% | 12.85% | 5.61% | -734 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.41% | 57.38% | 59.84% | 61.96% | 41.85% | 41.57% | 38.74% | 29.04% | -3,291 bps | |
| Liquid Assets / Assets | 29.58% | 46.49% | 45.78% | 45.55% | 62.60% | 63.11% | 65.99% | 72.47% | +2,692 bps | |