Stevens Point, WI · Charter 67097
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Stevens Point, WI · Charter 67097
Q2 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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.12% | 3.50% | 0.99% | 1.09% | 0.74% | 0.37% | 0.24% | -1.11% | -220 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.98% | 3.28% | 2.21% | -10.02% | n/a | |
| Net Interest Margin | n/a | n/a | 4.57% | 5.00% | 4.63% | 3.97% | 3.71% | 4.34% | -67 bps | |
| Efficiency Ratio | n/a | n/a | 76.86% | 75.58% | 75.27% | 84.58% | 86.96% | 101.26% | +2,568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.67% | 22.39% | 17.52% | 8.91% | 11.18% | 11.87% | 25.63% | 17.26% | +835 bps | |
| Loan Growth (YoY) | 14.17% | -0.84% | 4.08% | 12.30% | 21.23% | 31.26% | 17.31% | 9.98% | -233 bps | |
| Share Growth (YoY) | 11.97% | 22.53% | 17.16% | 7.36% | 10.81% | 11.54% | 28.24% | 19.83% | +1,247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.80% | 1.77% | 2.55% | 1.65% | 0.79% | 1.07% | 1.64% | -91 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 | 0.66% | 0.65% | 0.83% | 0.66% | 0.99% | 0.69% | 0.64% | 1.19% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.42% | 11.44% | 10.97% | 11.06% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.42% | 11.44% | 10.97% | 11.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.58% | 68.87% | 81.04% | 89.47% | 88.15% | 81.04% | 74.14% | 82.11% | -736 bps | |
| Liquid Assets / Assets | 24.44% | 34.34% | 12.32% | 14.89% | 20.61% | 25.19% | 31.40% | 24.79% | +990 bps | |