Eaton Rapids, MI · Charter 64039
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Eaton Rapids, MI · Charter 64039
Q3 2002
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.75% | -0.51% | 0.58% | 0.57% | 0.17% | -0.01% | 0.19% | 0.36% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | 3.90% | 1.16% | -0.09% | 1.42% | 2.54% | -137 bps | |
| Net Interest Margin | n/a | 4.60% | 4.58% | 4.46% | 4.37% | 3.80% | 3.38% | 3.50% | -97 bps | |
| Efficiency Ratio | n/a | 79.98% | 82.99% | 83.49% | 95.15% | 99.62% | 95.13% | 89.53% | +604 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | -0.83% | -4.91% | -3.76% | -1.87% | 8.80% | 14.70% | 5.49% | +925 bps | |
| Loan Growth (YoY) | -5.51% | -2.06% | 0.90% | -0.28% | -6.11% | -14.32% | -20.93% | -23.41% | -2,313 bps | |
| Share Growth (YoY) | -0.04% | -0.33% | -2.61% | -3.86% | -2.42% | 9.52% | 13.56% | 6.11% | +997 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.28% | 0.99% | 1.79% | 1.99% | 1.80% | 2.34% | 3.81% | 2.23% | +24 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 | 1.34% | 1.98% | 2.04% | 1.91% | 2.12% | 2.29% | 1.84% | 2.02% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 14.56% | 14.77% | 13.53% | 13.21% | 14.05% | -50 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 14.56% | 14.77% | 13.53% | 13.21% | 14.05% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.40% | 80.28% | 83.53% | 81.31% | 75.43% | 62.80% | 58.16% | 58.69% | -2,262 bps | |
| Liquid Assets / Assets | 11.11% | 16.43% | 5.42% | 15.13% | 29.82% | 18.18% | 20.02% | 14.91% | -23 bps | |