Grand Rapids, MI · Charter 60366
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.02% | 0.87% | 0.57% | 0.59% | 0.00% | -0.11% | 0.77% | +19 bps | |
| Return on Equity | 3.22% | 0.15% | 7.53% | 4.81% | 5.03% | 0.03% | -0.98% | 6.39% | +158 bps | |
| Net Interest Margin | 2.74% | 2.47% | 3.30% | 3.29% | 3.20% | 2.75% | 2.72% | 3.37% | +7 bps | |
| Efficiency Ratio | 87.04% | 99.34% | 74.11% | 82.85% | 81.96% | 99.89% | 104.06% | 77.59% | -527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.55% | -7.48% | -7.36% | -8.64% | -1.36% | -3.01% | -2.24% | -0.81% | +784 bps | |
| Loan Growth (YoY) | 17.52% | 14.61% | 5.39% | -4.22% | 1.36% | 2.11% | 5.76% | -1.53% | +269 bps | |
| Share Growth (YoY) | -7.69% | -8.85% | -8.56% | -10.08% | -4.13% | -3.91% | -2.36% | -1.01% | +907 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.66% | 0.00% | 0.59% | 1.39% | 0.28% | 0.94% | 0.60% | +1 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 | 1.20% | 1.19% | 1.20% | 1.25% | 1.18% | 1.16% | 1.14% | 1.27% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.41% | 11.15% | 11.56% | 11.91% | 11.75% | 11.50% | 11.57% | 11.97% | +6 bps | |
| Net Worth / Assets | 11.41% | 11.15% | 11.56% | 11.91% | 11.75% | 11.50% | 11.57% | 11.97% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.14% | 65.11% | 64.19% | 64.18% | 67.82% | 69.19% | 69.53% | 63.85% | -34 bps | |
| Liquid Assets / Assets | 26.66% | 34.92% | 30.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |