Reese, MI · Charter 62017
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Reese, MI · Charter 62017
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.68% | 0.41% | 0.12% | 0.12% | -0.16% | 0.98% | 0.54% | +42 bps | |
| Return on Equity | 8.06% | 9.69% | 6.16% | 1.86% | 1.72% | -2.43% | 12.94% | 7.22% | +536 bps | |
| Net Interest Margin | 3.56% | 3.58% | 3.19% | 3.61% | 3.94% | 4.16% | 4.75% | 4.70% | +109 bps | |
| Efficiency Ratio | 83.16% | 80.00% | 86.29% | 83.67% | 79.16% | 86.23% | 69.05% | 82.99% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.98% | 25.97% | 28.23% | 18.81% | 9.27% | 3.27% | -12.35% | -10.24% | -2,905 bps | |
| Loan Growth (YoY) | 53.46% | 22.19% | 4.43% | -3.34% | -1.34% | 1.62% | -6.39% | -8.31% | -498 bps | |
| Share Growth (YoY) | 45.02% | 25.81% | 29.74% | 19.38% | 9.10% | 4.21% | -13.32% | -10.77% | -3,015 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.34% | 0.70% | 0.90% | 1.31% | 0.83% | 0.77% | 0.65% | -25 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 | 0.11% | 0.16% | 0.13% | 0.28% | 0.60% | 0.34% | 0.67% | 0.50% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.98% | 7.06% | 6.61% | 6.69% | 6.90% | 6.77% | 7.61% | 7.48% | +79 bps | |
| Net Worth / Assets | 6.98% | 7.06% | 6.61% | 6.69% | 6.90% | 6.77% | 7.61% | 7.48% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.96% | 81.66% | 77.74% | 78.50% | 82.26% | 79.63% | 83.96% | 80.65% | +216 bps | |
| Liquid Assets / Assets | 8.01% | 16.62% | 19.96% | 19.46% | 16.84% | 118.45% | 14.13% | 16.83% | -263 bps | |