Winnebago, WI · Charter 66814
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Winnebago, WI · Charter 66814
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.69% | 0.82% | 0.66% | 0.76% | 0.77% | 1.22% | 0.86% | +20 bps | |
| Return on Equity | 5.20% | 5.75% | 7.09% | 6.12% | 6.83% | 6.65% | 10.25% | 7.63% | +151 bps | |
| Net Interest Margin | 4.00% | 4.16% | 3.98% | 3.78% | 3.89% | 4.10% | 4.40% | 4.02% | +25 bps | |
| Efficiency Ratio | 83.45% | 82.58% | 80.36% | 83.15% | 81.39% | 80.90% | 73.80% | 77.28% | -587 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.17% | 4.92% | 7.93% | 7.53% | 12.50% | 11.82% | 5.23% | 3.15% | -438 bps | |
| Loan Growth (YoY) | -3.15% | 2.93% | 8.84% | 19.42% | 22.76% | 20.00% | 16.09% | 7.65% | -1,177 bps | |
| Share Growth (YoY) | 20.54% | 4.85% | 7.54% | 8.06% | 13.18% | 13.96% | 5.25% | 2.69% | -538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.75% | 0.94% | 0.66% | 0.76% | 0.46% | 0.63% | 0.68% | +2 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 | 0.87% | 0.69% | 0.73% | 0.71% | 0.71% | 0.57% | 0.63% | 0.72% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 12.03% | 11.63% | 10.74% | 11.12% | 11.53% | 11.93% | 11.24% | +50 bps | |
| Net Worth / Assets | 11.64% | 12.03% | 11.63% | 10.74% | 11.12% | 11.53% | 11.93% | 11.24% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.46% | 82.63% | 80.26% | 78.68% | 82.93% | 87.00% | 88.53% | 82.48% | +380 bps | |
| Liquid Assets / Assets | 26.51% | 18.69% | 18.86% | 21.87% | 17.83% | 11.22% | 14.77% | 20.83% | -104 bps | |