Jackson, MI · Charter 62346
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.
Jackson, MI · Charter 62346
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 | -0.74% | 1.98% | 1.92% | -0.16% | -1.35% | -60 bps | |
| Return on Equity | n/a | n/a | 20.17% | -2.23% | -21.51% | n/a | |
| Net Interest Margin | 6.02% | 6.06% | 7.09% | 6.47% | 5.25% | -78 bps | |
| Efficiency Ratio | 99.01% | 73.72% | 70.23% | 68.76% | 84.95% | -1,405 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.95% | -6.79% | -10.75% | 40.16% | 27.48% | +2,653 bps | |
| Loan Growth (YoY) | -1.27% | 15.85% | 21.38% | 23.00% | 4.16% | +543 bps | |
| Share Growth (YoY) | 3.57% | -6.33% | -11.24% | 43.15% | 30.34% | +2,677 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.69% | 3.33% | 4.15% | 3.10% | +269 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.78% | 1.11% | 0.89% | 0.81% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.52% | 7.13% | 6.26% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.52% | 7.13% | 6.26% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.19% | 89.39% | 97.79% | 73.02% | 67.28% | -1,691 bps | |
| Liquid Assets / Assets | 0.22% | 0.21% | 5.95% | 25.89% | 30.84% | +3,061 bps | |