Kalamazoo, MI · Charter 1467
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.66% | -0.69% | -0.38% | -0.36% | 0.03% | 0.14% | 0.28% | -0.13% | +23 bps | |
| Return on Equity | -30.61% | -13.58% | -7.60% | -6.22% | 0.45% | 2.23% | 4.37% | -2.11% | +411 bps | |
| Net Interest Margin | 4.41% | 3.62% | 3.68% | 4.01% | 4.34% | 4.27% | 4.37% | 4.50% | +48 bps | |
| Efficiency Ratio | 93.36% | 113.47% | 100.26% | 97.62% | 95.46% | 95.24% | 93.88% | 97.98% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 4.87% | -5.43% | -4.70% | -12.40% | -13.77% | -13.44% | -3.98% | +72 bps | |
| Loan Growth (YoY) | -2.30% | -7.26% | -16.22% | -11.00% | -6.71% | -3.23% | 1.59% | 8.62% | +1,962 bps | |
| Share Growth (YoY) | 2.38% | 4.98% | 7.11% | -0.55% | -7.24% | -9.35% | -13.25% | -7.36% | -681 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 1.90% | 2.08% | 3.70% | 2.24% | 1.08% | 1.51% | 0.84% | -286 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 | 2.39% | 2.31% | 2.13% | 2.04% | 2.05% | 1.96% | 1.82% | 1.83% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.41% | 5.05% | 4.98% | 5.80% | 6.26% | 6.23% | 6.44% | 6.38% | +58 bps | |
| Net Worth / Assets | 5.41% | 5.05% | 4.98% | 5.80% | 6.26% | 6.23% | 6.44% | 6.38% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.60% | 87.33% | 86.00% | 84.75% | 92.12% | 93.23% | 100.71% | 99.36% | +1,461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 96.07% | 0.00% | 0.00% | 97.75% | 0.00% | -9,607 bps | |