Menominee, MI · Charter 60341
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.11% | 0.71% | 0.45% | 0.46% | 0.32% | 0.26% | -3.84% | -429 bps | |
| Return on Equity | 1.30% | 0.71% | 4.28% | 2.67% | 2.71% | 1.84% | 1.49% | -24.64% | -2,731 bps | |
| Net Interest Margin | 3.74% | 3.79% | 3.63% | 3.71% | 3.81% | 3.86% | 3.80% | 3.96% | +25 bps | |
| Efficiency Ratio | 94.84% | 97.18% | 81.36% | 88.47% | 88.57% | 92.23% | 93.73% | 190.55% | +10,208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | -2.58% | -6.43% | -8.62% | -6.68% | -6.73% | -2.70% | -3.80% | +482 bps | |
| Loan Growth (YoY) | -5.01% | -7.17% | -7.67% | -0.51% | 3.69% | 3.87% | 2.20% | -7.82% | -731 bps | |
| Share Growth (YoY) | -0.70% | -2.05% | -7.47% | -10.01% | -8.30% | -8.60% | -3.38% | -3.41% | +660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.67% | 0.15% | 0.06% | 0.13% | 0.09% | 0.13% | 1.03% | +97 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 | 1.08% | 1.11% | 1.15% | 1.11% | 1.07% | 1.14% | 1.20% | 1.31% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.51% | 15.78% | 16.47% | 16.75% | 16.92% | 17.23% | 17.13% | 15.58% | -117 bps | |
| Net Worth / Assets | 15.51% | 15.78% | 16.47% | 16.75% | 16.92% | 17.23% | 17.13% | 15.58% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.92% | 61.91% | 64.06% | 67.94% | 71.14% | 70.36% | 67.76% | 64.84% | -310 bps | |
| Liquid Assets / Assets | 28.28% | 28.86% | 31.23% | 21.87% | 23.01% | 23.08% | 25.64% | 0.00% | -2,187 bps | |