Miamisburg, OH · Charter 6199
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Miamisburg, OH · Charter 6199
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.75% | 0.81% | 0.82% | 0.64% | -9 bps | |
| Return on Equity | n/a | n/a | 6.48% | 6.77% | 5.35% | n/a | |
| Net Interest Margin | 4.17% | 4.28% | 4.27% | 4.02% | 3.86% | -31 bps | |
| Efficiency Ratio | 79.52% | 79.58% | 78.39% | 77.99% | 81.37% | +185 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.67% | -0.40% | 2.11% | 3.35% | 6.20% | +353 bps | |
| Loan Growth (YoY) | 8.08% | 6.34% | 4.68% | 1.70% | -1.85% | -993 bps | |
| Share Growth (YoY) | 1.62% | -0.66% | 2.02% | 3.12% | 6.78% | +516 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.30% | 0.38% | 0.44% | 0.59% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.52% | 0.55% | 0.60% | 0.63% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.55% | 12.11% | 12.01% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.55% | 12.11% | 12.01% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.73% | 101.61% | 100.88% | 93.24% | 90.75% | -798 bps | |
| Liquid Assets / Assets | 5.50% | 3.97% | 4.58% | 11.94% | 13.83% | +833 bps | |