Rudyard, MI · Charter 61996
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.55% | 3.10% | 3.12% | 3.60% | 2.81% | 0.88% | -2.01% | 0.83% | -277 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.86% | 5.45% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 90.20% | 75.51% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.31% | 33.33% | 52.27% | 48.55% | 38.63% | 16.48% | -1.07% | -6.46% | -5,501 bps | |
| Loan Growth (YoY) | 29.82% | 49.33% | 61.54% | 58.53% | 38.44% | 13.08% | 2.03% | -1.66% | -6,020 bps | |
| Share Growth (YoY) | 6.62% | 34.16% | 37.85% | 50.05% | 46.58% | 24.44% | 15.78% | -1.31% | -5,137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 0.39% | 1.87% | 2.27% | 2.81% | 3.38% | 1.00% | 1.12% | -115 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 | 0.79% | 0.60% | 0.38% | 0.44% | 0.77% | 0.75% | 1.24% | 1.59% | +115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.21% | 80.14% | 90.74% | 80.76% | 74.81% | 72.83% | 79.97% | 80.48% | -28 bps | |
| Liquid Assets / Assets | 6.59% | 3.99% | 4.13% | 4.93% | 5.23% | 2.89% | 0.89% | 1.41% | -352 bps | |