Rio, WI · Charter 67019
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.
Rio, WI · Charter 67019
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 | 0.27% | 0.00% | 0.30% | 0.25% | 0.47% | -10.36% | -0.77% | -0.89% | -114 bps | |
| Return on Equity | 1.81% | 0.01% | 2.16% | 1.72% | 3.06% | -161.88% | -13.32% | -16.69% | -1,840 bps | |
| Net Interest Margin | 5.69% | 5.05% | 6.51% | 5.97% | 5.85% | 5.90% | 5.83% | 4.76% | -120 bps | |
| Efficiency Ratio | 95.27% | 99.40% | 91.89% | 93.76% | 90.70% | 100.92% | 113.23% | 118.59% | +2,483 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | 10.16% | 21.92% | 4.07% | 0.00% | -15.93% | -11.27% | -3.12% | -718 bps | |
| Loan Growth (YoY) | 16.06% | -0.60% | -3.41% | -10.91% | -11.49% | -19.08% | -21.45% | -27.18% | -1,627 bps | |
| Share Growth (YoY) | 5.84% | 11.68% | 26.10% | 4.75% | 0.02% | -8.32% | -2.67% | 7.58% | +284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.89% | 9.45% | 9.19% | 7.78% | 10.98% | 16.91% | 17.50% | 23.74% | +1,596 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 | 0.95% | 1.01% | 1.11% | 1.24% | 1.21% | 7.88% | 8.18% | 10.68% | +944 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.09% | 14.08% | 13.98% | 14.71% | 15.23% | 6.40% | 5.79% | 5.31% | -941 bps | |
| Net Worth / Assets | 15.09% | 14.08% | 13.98% | 14.71% | 15.23% | 6.40% | 5.79% | 5.31% | -941 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.89% | 81.67% | 79.88% | 75.65% | 79.55% | 72.08% | 64.47% | 51.20% | -2,445 bps | |
| Liquid Assets / Assets | 23.92% | 29.98% | 31.52% | 30.47% | 31.11% | 36.87% | 43.40% | 55.74% | +2,527 bps | |