Oshtemo, MI · Charter 60445
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.42% | 0.51% | 0.12% | 0.40% | 0.47% | 0.51% | -2.80% | -291 bps | |
| Return on Equity | -2.60% | -6.04% | 6.97% | 1.53% | 5.17% | 5.96% | 6.31% | -39.99% | -4,152 bps | |
| Net Interest Margin | 3.83% | 3.92% | 4.10% | 4.03% | 4.09% | 4.08% | 4.05% | 3.76% | -27 bps | |
| Efficiency Ratio | 82.70% | 85.30% | 72.99% | 78.49% | 74.88% | 78.42% | 77.66% | 98.10% | +1,961 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.24% | 12.13% | 7.74% | 11.61% | 9.07% | 3.62% | 3.69% | 5.68% | -593 bps | |
| Loan Growth (YoY) | -0.27% | 2.79% | 2.85% | -2.67% | -2.26% | -1.28% | 1.21% | 1.83% | +450 bps | |
| Share Growth (YoY) | 14.44% | 13.19% | 7.98% | 11.60% | 8.20% | 2.43% | 3.12% | 6.37% | -523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.13% | 1.31% | 1.41% | 1.24% | 0.61% | 0.90% | 0.76% | -65 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 | 1.01% | 1.19% | 1.23% | 1.22% | 1.35% | 1.19% | 1.18% | 1.69% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.41% | 6.93% | 7.39% | 7.64% | 7.81% | 7.96% | 8.07% | 6.99% | -65 bps | |
| Net Worth / Assets | 7.41% | 6.93% | 7.39% | 7.64% | 7.81% | 7.96% | 8.07% | 6.99% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.16% | 79.91% | 80.91% | 76.11% | 76.93% | 77.02% | 79.40% | 72.86% | -325 bps | |
| Liquid Assets / Assets | 0.00% | 97.56% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |