Battle Creek, MI · Charter 24825
Q2 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 60.21% | -8.64% | -9.37% | -19.24% | -25.33% | -55.82% | -52.87% | -4,350 bps | |
| Return on Equity | 133.33% | -19.96% | -22.04% | -55.64% | -86.47% | -296% | -405% | -38,247 bps | |
| Net Interest Margin | 0.73% | 1.87% | 2.14% | 2.36% | 2.61% | 4.62% | 5.25% | +311 bps | |
| Efficiency Ratio | 16.25% | 519% | 480% | 568% | 620% | 533% | 508% | +2,782 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 6.09% | -25.73% | -35.94% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 60.35% | 27.38% | 13.77% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 37.40% | 7.41% | -2.73% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.38% | 18.08% | 35.83% | 38.26% | 27.94% | 17.06% | 19.72% | -1,612 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.81% | 20.34% | 18.13% | 30.64% | 35.26% | +3,445 bps | |
| Capital | |||||||||
| Risk-Based Capital | 45.16% | 43.30% | 42.50% | 34.57% | 29.29% | 18.87% | 13.07% | -2,943 bps | |
| Net Worth / Assets | 45.16% | 43.30% | 42.50% | 34.57% | 29.29% | 18.87% | 13.07% | -2,943 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 33.46% | 32.77% | 33.82% | 32.26% | 39.04% | 38.86% | 39.56% | +574 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |