Manitowoc, WI · Charter 66993
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Manitowoc, WI · Charter 66993
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.11% | -0.06% | 0.14% | -5.09% | -520 bps | |
| Return on Equity | 1.16% | -1.15% | -0.65% | 1.46% | -61.34% | -6,250 bps | |
| Net Interest Margin | 4.45% | 4.67% | 4.67% | 4.92% | 1.78% | -267 bps | |
| Efficiency Ratio | 96.02% | 89.74% | 92.27% | 90.24% | 262% | +16,644 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.11% | 7.19% | 7.61% | -8.89% | 0.85% | -1,427 bps | |
| Loan Growth (YoY) | 26.27% | 2.18% | -6.40% | -8.74% | -17.12% | -4,339 bps | |
| Share Growth (YoY) | 15.41% | 7.03% | 12.27% | -9.79% | 2.28% | -1,313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.20% | 0.64% | 0.76% | 0.30% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.18% | 0.19% | 0.27% | 0.23% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.51% | 9.16% | 9.49% | 9.88% | 8.30% | -121 bps | |
| Net Worth / Assets | 9.51% | 9.16% | 9.49% | 9.88% | 8.30% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.10% | 70.99% | 74.82% | 70.04% | 62.48% | -1,462 bps | |
| Liquid Assets / Assets | 17.53% | 20.67% | 16.89% | 23.36% | 31.48% | +1,395 bps | |