Battle Creek, MI · Charter 5149
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.24% | -0.26% | -0.62% | -0.87% | -0.21% | -0.57% | -4.95% | -433 bps | |
| Return on Equity | -1.63% | -1.44% | -1.56% | -3.70% | -5.13% | -1.27% | -3.42% | -35.22% | -3,153 bps | |
| Net Interest Margin | 3.85% | 4.08% | 4.07% | 4.06% | 4.13% | 3.95% | 3.95% | 3.92% | -13 bps | |
| Efficiency Ratio | 97.82% | 88.94% | 95.43% | 97.13% | 97.40% | 89.19% | 92.58% | 147.79% | +5,066 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | -2.75% | -4.73% | -4.31% | -8.31% | -4.06% | -3.99% | -7.31% | -300 bps | |
| Loan Growth (YoY) | -11.96% | -10.56% | -2.56% | -5.54% | 1.26% | 12.25% | 13.14% | 14.21% | +1,974 bps | |
| Share Growth (YoY) | 2.71% | -3.27% | -5.56% | -4.63% | -8.84% | -2.86% | -5.03% | -8.83% | -420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.03% | 3.79% | 4.85% | 3.23% | 2.71% | 0.82% | 2.50% | 2.31% | -92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.90% | 1.19% | 1.22% | 1.63% | 1.92% | 1.93% | 4.85% | +363 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.53% | 16.65% | 16.84% | 16.83% | 17.03% | 16.37% | 16.57% | 14.06% | -278 bps | |
| Net Worth / Assets | 16.53% | 16.65% | 16.84% | 16.83% | 17.03% | 16.37% | 16.57% | 14.06% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.94% | 41.12% | 43.64% | 44.81% | 47.70% | 47.51% | 51.99% | 56.13% | +1,132 bps | |
| Liquid Assets / Assets | 21.54% | 18.14% | 21.35% | 19.71% | 15.96% | 18.56% | 0.00% | 0.00% | -1,971 bps | |