Rochester Hills, MI · Charter 62145
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Rochester Hills, MI · Charter 62145
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.26% | 1.15% | 1.04% | 0.82% | -37 bps | |
| Return on Equity | n/a | n/a | 13.49% | 12.23% | 9.64% | n/a | |
| Net Interest Margin | 4.28% | 4.44% | 4.38% | 3.83% | 3.44% | -84 bps | |
| Efficiency Ratio | 72.84% | 71.27% | 74.87% | 78.60% | 77.68% | +485 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.57% | 17.76% | 10.26% | 12.08% | 21.46% | +289 bps | |
| Loan Growth (YoY) | 9.68% | 24.56% | 23.53% | 31.07% | 53.75% | +4,407 bps | |
| Share Growth (YoY) | 18.26% | 17.15% | 9.70% | 8.37% | 19.36% | +110 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.28% | 0.24% | 0.03% | 0.02% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.38% | 0.32% | 0.26% | 0.21% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 8.53% | 8.48% | 8.54% | n/a | |
| Net Worth / Assets | n/a | n/a | 8.53% | 8.48% | 8.54% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.67% | 51.38% | 53.89% | 53.28% | 65.27% | +1,460 bps | |
| Liquid Assets / Assets | 8.09% | 8.93% | 25.76% | 41.56% | 33.76% | +2,566 bps | |