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Chemical Bank Central

Big Rapids, MI · Cert 14719

FDIC

Q4 2000

$119.9MAssets
$81.4MLoans
$102.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.39%, down 20 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.16% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.39%-20 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 Assets1.51%1.50%1.52%1.59%1.32%1.35%1.35%1.39%-20 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)5.65%6.88%7.93%7.08%21.26%18.51%15.73%21.68%+1,460 bps
Loan Growth (YoY)15.01%7.99%9.29%10.73%8.14%9.61%12.18%13.70%+297 bps
Deposit Growth (YoY)5.65%6.93%7.40%6.40%23.00%18.67%17.28%19.45%+1,305 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 / Deposits83.53%83.60%83.81%83.17%73.45%77.22%80.17%79.16%-401 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