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Chemical Bank Michigan

Clare, MI · Cert 12890

FDIC

Q4 2000

$262.7MAssets
$130.2MLoans
$223.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.52%, up 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 58.25% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.52%+3 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.42%1.45%1.45%1.49%1.41%1.48%1.49%1.52%+3 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)4.10%4.51%4.86%0.44%3.69%3.95%4.00%5.45%+501 bps
Loan Growth (YoY)7.83%12.84%20.14%15.94%8.77%5.45%2.01%3.26%-1,268 bps
Deposit Growth (YoY)3.86%3.12%2.98%1.29%4.46%5.53%6.73%4.91%+363 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits54.59%58.42%61.08%59.18%56.84%58.37%58.38%58.25%-93 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a