Cedarville, MI · Charter 62230
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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.
Cedarville, MI · Charter 62230
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.80% | 5.30% | 0.32% | 0.85% | 0.55% | -425 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.89% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.48% | 5.85% | 5.90% | n/a | |
| Efficiency Ratio | n/a | n/a | 94.62% | 86.95% | 91.43% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.09% | -5.66% | -8.06% | -8.25% | -14.31% | -1,322 bps | |
| Loan Growth (YoY) | -0.73% | -10.99% | 2.42% | -16.88% | -7.87% | -714 bps | |
| Share Growth (YoY) | -3.48% | -8.92% | -12.20% | -12.35% | -18.57% | -1,509 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.47% | 4.08% | 2.55% | 4.25% | 0.84% | -462 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.58% | 1.55% | 1.95% | 1.84% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 19.11% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 19.11% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.85% | 86.31% | 94.87% | 83.19% | 98.26% | +1,141 bps | |
| Liquid Assets / Assets | 19.94% | 19.72% | 9.16% | 15.64% | 19.39% | -55 bps | |