Big Rapids, MI · Charter 61490
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.46% | -0.07% | 0.66% | 0.07% | -0.49% | -0.31% | 0.99% | +33 bps | |
| Return on Equity | 3.25% | 2.58% | -0.43% | 3.81% | 0.41% | -2.82% | -1.83% | 9.45% | +564 bps | |
| Net Interest Margin | 4.62% | 5.06% | 4.43% | 4.71% | 4.31% | 4.26% | 4.10% | 6.50% | +178 bps | |
| Efficiency Ratio | 88.30% | 90.90% | 101.68% | 86.03% | 98.31% | 88.14% | 89.60% | 84.85% | -118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -0.52% | -2.18% | -1.74% | -7.35% | -1.12% | 0.86% | -21.10% | -1,936 bps | |
| Loan Growth (YoY) | 4.16% | 18.79% | 12.97% | 9.51% | 3.97% | -10.36% | -22.44% | -23.59% | -3,310 bps | |
| Share Growth (YoY) | 0.39% | -0.38% | -2.36% | -2.04% | -8.55% | -0.57% | 1.39% | -14.61% | -1,257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.73% | 0.00% | 0.00% | 0.00% | 13.78% | 26.96% | 19.71% | +1,971 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 | 2.33% | 2.13% | 1.31% | 1.40% | 1.47% | 1.57% | 1.68% | 17.09% | +1,569 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.83% | 17.99% | 17.47% | 17.30% | 17.83% | 17.40% | 16.91% | 10.50% | -680 bps | |
| Net Worth / Assets | 16.83% | 17.99% | 17.47% | 17.30% | 17.83% | 17.40% | 16.91% | 10.50% | -680 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.41% | 92.87% | 97.92% | 89.95% | 89.14% | 83.72% | 74.91% | 80.50% | -946 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |