Cadillac, MI · Cert 26489
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.27% | 1.28% | 1.26% | 1.30% | 1.32% | 1.31% | 1.35% | +9 bps | |
| Return on Equity | 11.96% | 10.61% | 9.30% | 8.97% | 9.06% | 9.06% | 9.00% | 9.31% | +34 bps | |
| Net Interest Margin | 3.85% | 3.92% | 3.77% | 3.90% | 3.90% | 3.91% | 3.75% | 3.84% | -6 bps | |
| Efficiency Ratio | 56.95% | 54.18% | 53.56% | 50.69% | 52.91% | 52.22% | 52.79% | 50.30% | -39 bps | |
| Non-Interest Burden | 1.90% | 1.76% | 1.69% | 1.65% | 1.74% | 1.73% | 1.64% | 1.60% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.90% | 22.60% | 21.71% | 23.34% | 14.22% | -1.56% | -0.70% | 2.90% | -2,044 bps | |
| Loan Growth (YoY) | 9.11% | 23.72% | 22.89% | 18.53% | 16.79% | 5.16% | 6.64% | 7.59% | -1,094 bps | |
| Deposit Growth (YoY) | -3.27% | 17.21% | 15.99% | 15.66% | 12.40% | -3.61% | -2.97% | 2.59% | -1,307 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.10% | 0.25% | 0.24% | 0.08% | 0.10% | 0.11% | 0.17% | -7 bps | |
| Allowance / Loans | 1.28% | 1.26% | 1.22% | 1.26% | 1.28% | 1.26% | 1.24% | 1.23% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.41% | 13.50% | 13.73% | 13.94% | 14.29% | 14.29% | 14.33% | 14.57% | +63 bps | |
| Equity / Assets | 9.97% | 13.64% | 13.79% | 14.26% | 14.52% | 14.60% | 14.50% | 14.48% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.98% | 98.57% | 99.46% | 103.12% | 104.92% | 107.54% | 109.31% | 108.14% | +502 bps | |
| Liquid Assets / Assets | 2.50% | 1.94% | 2.39% | 2.00% | 2.37% | 1.92% | 2.00% | 1.68% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |