Hastings, MI · Cert 5026
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.94% | 1.77% | 1.84% | 1.98% | 1.97% | 1.85% | 1.70% | 1.71% | -27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 23.08% | 21.45% | 21.78% | n/a | |
| Net Interest Margin | n/a | 5.06% | 5.19% | 5.19% | 5.31% | 5.31% | 5.20% | 5.11% | -7 bps | |
| Efficiency Ratio | n/a | 54.25% | 51.82% | 49.16% | 48.89% | 50.64% | 52.29% | 50.71% | +155 bps | |
| Non-Interest Burden | n/a | 2.40% | 2.30% | 2.09% | 2.13% | 2.31% | 2.38% | 2.21% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.67% | 5.88% | 1.35% | -2.00% | -2.59% | -1.51% | 5.21% | 5.68% | +768 bps | |
| Loan Growth (YoY) | 12.56% | 6.57% | 2.77% | 2.76% | 1.44% | 3.50% | 9.29% | 8.32% | +556 bps | |
| Deposit Growth (YoY) | 11.41% | 4.73% | 11.54% | 0.43% | -3.99% | -1.14% | -2.55% | -4.46% | -489 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 | n/a | 0.16% | 0.11% | 0.08% | 0.11% | 0.28% | 0.19% | 0.26% | +18 bps | |
| Allowance / Loans | n/a | 1.37% | 1.41% | 1.44% | 1.43% | 1.43% | 1.41% | 1.36% | -8 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 | n/a | 12.42% | 12.43% | 11.46% | 11.64% | 11.82% | 11.39% | 11.44% | -2 bps | |
| Equity / Assets | n/a | 8.38% | 8.62% | 7.97% | 8.01% | 8.03% | 7.69% | 7.72% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.54% | 87.24% | 87.91% | 89.07% | 94.61% | 91.33% | 98.59% | 100.98% | +1,191 bps | |
| Liquid Assets / Assets | 0.00% | 0.58% | 0.46% | 0.46% | 0.44% | 0.44% | 0.30% | 0.30% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |