Reed City, MI · Charter 61975
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Reed City, MI · Charter 61975
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.97% | 3.53% | 3.12% | 0.76% | 0.31% | -266 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 6.62% | 6.46% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 89.02% | 95.31% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.07% | -0.28% | 11.72% | 20.86% | 9.95% | +1,802 bps | |
| Loan Growth (YoY) | 6.12% | -8.45% | 20.02% | -4.25% | -16.82% | -2,294 bps | |
| Share Growth (YoY) | -12.12% | -3.77% | 11.71% | 24.36% | 10.63% | +2,274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.62% | 1.24% | 2.39% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 2.21% | 2.05% | 2.26% | 2.31% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.12% | 81.55% | 83.20% | 66.75% | 70.02% | -2,310 bps | |
| Liquid Assets / Assets | 10.65% | 15.28% | 7.75% | 0.00% | 9.28% | -137 bps | |