Trenton, MI · Charter 7657
Q2 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Trenton, MI · Charter 7657
Q2 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.18% | 0.53% | 0.23% | 0.24% | 0.54% | -264 bps | |
| Return on Equity | n/a | n/a | n/a | 2.08% | 4.89% | n/a | |
| Net Interest Margin | n/a | 5.09% | 4.79% | 5.15% | 5.01% | n/a | |
| Efficiency Ratio | n/a | 83.51% | 89.69% | 92.78% | 86.46% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.18% | 3.47% | -5.18% | -8.00% | -2.00% | -1,018 bps | |
| Loan Growth (YoY) | -12.82% | -12.01% | -4.25% | -0.12% | 1.30% | +1,412 bps | |
| Share Growth (YoY) | 7.45% | 2.46% | -7.02% | -9.37% | -2.69% | -1,013 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 3.20% | 1.52% | 3.50% | 3.01% | +143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.28% | 1.39% | 0.81% | 1.04% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.72% | 11.03% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.72% | 11.03% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.68% | 54.41% | 55.92% | 59.56% | 51.72% | +203 bps | |
| Liquid Assets / Assets | 47.69% | 44.27% | 37.81% | 42.41% | 49.39% | +171 bps | |