Birch Run, MI · Charter 66845
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.
Birch Run, MI · Charter 66845
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 | 2.41% | 0.53% | 0.48% | 0.66% | 1.34% | 0.83% | 0.63% | -1.60% | -226 bps | |
| Return on Equity | n/a | n/a | n/a | 5.86% | 11.34% | 7.99% | 7.72% | -28.75% | -3,460 bps | |
| Net Interest Margin | n/a | 4.92% | 5.45% | 5.84% | 6.71% | 6.05% | 5.65% | 5.00% | -83 bps | |
| Efficiency Ratio | n/a | 87.50% | 79.48% | 80.16% | 78.04% | 77.32% | 71.12% | 71.56% | -860 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.90% | 13.67% | -7.15% | -8.96% | -13.93% | 8.58% | 47.27% | 81.16% | +9,013 bps | |
| Loan Growth (YoY) | 32.50% | 1.47% | 5.22% | 11.74% | 26.43% | 70.90% | 115.92% | 133.84% | +12,210 bps | |
| Share Growth (YoY) | 22.60% | 13.58% | -9.03% | -11.21% | -16.47% | 0.83% | 46.69% | 80.70% | +9,191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 4.88% | 1.94% | 0.60% | 1.00% | 0.52% | 0.60% | 0.10% | -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 | 0.42% | 0.81% | 0.38% | 0.04% | 0.22% | 0.29% | 1.00% | 2.30% | +225 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.26% | 11.83% | 10.39% | 8.18% | 5.56% | -570 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 11.26% | 11.83% | 10.39% | 8.18% | 5.56% | -570 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.02% | 66.45% | 68.85% | 84.09% | 101.44% | 112.62% | 101.34% | 108.81% | +2,472 bps | |
| Liquid Assets / Assets | 24.94% | 0.00% | 0.00% | 20.63% | 9.46% | 1.18% | 5.18% | 0.00% | -2,063 bps | |