Iron River, MI · Charter 62516
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.65% | 3.33% | 3.20% | 2.67% | 0.33% | 0.37% | 0.65% | 0.96% | -171 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 6.81% | 10.12% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.37% | 4.30% | 4.32% | 4.11% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.76% | 88.25% | 83.37% | 77.01% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.83% | 11.54% | 13.94% | 6.95% | 8.74% | 8.58% | 6.61% | 10.52% | +357 bps | |
| Loan Growth (YoY) | 12.67% | 12.50% | 6.68% | 3.58% | 1.87% | 9.84% | 18.14% | 27.00% | +2,342 bps | |
| Share Growth (YoY) | 12.46% | 11.29% | 15.49% | 7.74% | 10.93% | 9.09% | 6.72% | 10.16% | +242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.45% | 1.90% | 1.60% | 1.56% | 1.18% | 1.04% | 0.79% | 1.07% | -50 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 | 0.54% | 0.81% | 0.75% | 1.21% | 1.50% | 1.23% | 0.95% | 0.94% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 9.61% | 9.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.61% | 9.51% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.16% | 67.59% | 63.43% | 62.25% | 65.34% | 68.06% | 70.22% | 71.77% | +951 bps | |
| Liquid Assets / Assets | 28.53% | 31.37% | 34.31% | 22.23% | 8.17% | 10.59% | 31.87% | 30.15% | +793 bps | |