Milwaukee, WI · Charter 67261
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.
Milwaukee, WI · Charter 67261
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 | -0.23% | 1.03% | -1.40% | 0.48% | -0.54% | -19.32% | 1.02% | -2.08% | -256 bps | |
| Return on Equity | -1.76% | 7.05% | -9.09% | 2.99% | -3.49% | n/a | 6.38% | -11.12% | -1,411 bps | |
| Net Interest Margin | 5.79% | 6.03% | 6.32% | 5.62% | 4.97% | 5.07% | 5.89% | 7.20% | +157 bps | |
| Efficiency Ratio | 80.18% | 68.96% | 115.36% | 90.51% | 103.90% | 117.40% | 79.80% | 123.96% | +3,346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.33% | -18.73% | -18.03% | -15.84% | -11.08% | -26.70% | -7.05% | -26.39% | -1,055 bps | |
| Loan Growth (YoY) | 47.72% | 8.66% | 14.88% | -20.00% | -30.27% | -19.41% | -19.73% | -40.86% | -2,086 bps | |
| Share Growth (YoY) | -14.35% | -22.33% | -20.85% | -16.95% | -12.01% | -7.03% | -4.34% | -26.10% | -915 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.88% | 21.18% | 21.70% | 33.82% | 40.29% | 48.87% | 48.79% | 59.69% | +2,588 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 | 2.35% | 3.01% | 3.67% | 4.00% | 4.26% | 26.08% | 4.90% | 7.12% | +312 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.22% | 14.60% | 15.40% | 15.97% | 15.51% | -3.49% | 15.94% | 18.73% | +276 bps | |
| Net Worth / Assets | 13.22% | 14.60% | 15.40% | 15.97% | 15.51% | -3.49% | 15.94% | 18.73% | +276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.75% | 95.21% | 91.33% | 84.77% | 82.22% | 82.53% | 76.63% | 67.84% | -1,693 bps | |
| Liquid Assets / Assets | 11.33% | 20.38% | 23.28% | 26.85% | 29.06% | 29.06% | 32.58% | 34.84% | +799 bps | |