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Saint Mary's Hospital

Grand Rapids, MI · Charter 63860

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Saint Mary's Hospital

Grand Rapids, MI · Charter 63860

Q2 2001

$24.3MAssets
$17.9MLoans
$21.0MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.86%, down 321 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.32% of loans (-54 bps YoY).
  • Capital: net worth / assets of 10.32%.
  • Funding: loans stand at 85.30% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.86%-321 bps YoY

Net Interest Margin (YTD, annualized)

4.31%

Efficiency Ratio (YTD, annualized)

73.09%

Net Worth / Assets

10.32%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.37%4.57%4.30%4.07%1.34%1.57%1.31%0.86%-321 bps
Return on Equityn/an/an/an/an/an/a11.97%8.34%n/a
Net Interest Marginn/an/an/an/a4.95%4.91%4.77%4.31%n/a
Efficiency Ration/an/an/an/a70.60%68.73%70.26%73.09%n/a
Growth
Asset Growth (YoY)32.43%22.74%30.28%29.59%26.67%27.46%23.26%26.67%-292 bps
Loan Growth (YoY)50.73%31.54%28.37%29.41%22.51%17.45%11.99%7.18%-2,223 bps
Share Growth (YoY)31.32%20.65%34.69%25.38%27.15%28.74%22.57%27.60%+222 bps
Asset Quality
Delinquent Loans / Loans0.49%0.72%0.61%0.86%1.08%1.17%1.08%0.32%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.76%0.85%0.81%0.85%0.83%0.71%0.55%0.65%-20 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a10.93%10.32%n/a
Net Worth / Assetsn/an/an/an/an/an/a10.93%10.32%n/a
Liquidity & Funding
Loans / Shares101.47%100.12%98.18%101.55%97.77%91.34%89.71%85.30%-1,625 bps
Liquid Assets / Assets5.49%6.84%9.78%8.86%10.38%13.09%13.97%20.39%+1,152 bps