Green Bay, WI · Charter 66825
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.
Green Bay, WI · Charter 66825
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 | 0.95% | 1.05% | 0.61% | 0.61% | 0.63% | 0.58% | 0.36% | 0.64% | +3 bps | |
| Return on Equity | 7.17% | 7.56% | 4.51% | 4.59% | 4.79% | 4.41% | 2.75% | 4.90% | +31 bps | |
| Net Interest Margin | 4.38% | 4.44% | 4.26% | 4.20% | 4.21% | 4.29% | 4.43% | 4.29% | +9 bps | |
| Efficiency Ratio | 81.07% | 80.28% | 86.14% | 86.26% | 85.91% | 86.82% | 89.94% | 85.05% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.90% | -5.70% | -3.13% | 0.25% | 8.03% | 9.70% | 6.87% | 7.15% | +689 bps | |
| Loan Growth (YoY) | -12.12% | -9.41% | -2.29% | 3.48% | 17.84% | 28.42% | 31.39% | 26.82% | +2,333 bps | |
| Share Growth (YoY) | -8.38% | -7.16% | -6.39% | -2.02% | 1.80% | 3.44% | 1.62% | 7.34% | +936 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 2.40% | 1.99% | 1.78% | 1.34% | 0.88% | 1.01% | 0.45% | -132 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 | 1.20% | 1.20% | 1.23% | 1.14% | 0.91% | 0.80% | 0.82% | 0.67% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.33% | 13.83% | 13.49% | 13.32% | 13.10% | 13.19% | 13.15% | 13.03% | -29 bps | |
| Net Worth / Assets | 13.33% | 13.83% | 13.49% | 13.32% | 13.10% | 13.19% | 13.15% | 13.03% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.84% | 82.72% | 81.75% | 84.70% | 99.37% | 102.70% | 105.70% | 100.07% | +1,537 bps | |
| Liquid Assets / Assets | 10.29% | 12.30% | 12.62% | 9.05% | 4.47% | 2.46% | 8.82% | 8.55% | -50 bps | |