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Chemical Bank Key State

Owosso, MI · Cert 14921

FDIC

Q4 2000

$143.3MAssets
$95.8MLoans
$121.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.13%, down 26 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 78.97% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.13%-26 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 Assets1.26%1.33%1.36%1.40%1.02%1.06%1.11%1.13%-26 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)4.47%2.30%-0.55%-5.61%1.88%2.90%3.30%6.00%+1,161 bps
Loan Growth (YoY)6.03%12.03%8.45%7.00%6.69%1.92%5.91%5.28%-173 bps
Deposit Growth (YoY)-0.40%-1.85%-3.62%-1.71%9.06%8.83%9.90%7.19%+890 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 / Deposits77.45%82.31%83.34%80.40%75.76%77.08%80.31%78.97%-144 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