Lansing, MI · Charter 61703
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | 0.07% | 0.10% | -1.06% | -0.02% | -0.08% | 0.17% | 0.90% | +196 bps | |
| Return on Equity | -0.40% | 0.55% | 0.73% | -8.61% | -0.16% | -0.65% | 1.30% | 6.85% | +1,546 bps | |
| Net Interest Margin | 4.41% | 4.60% | 4.83% | 4.57% | 4.65% | 4.90% | 4.99% | 5.18% | +61 bps | |
| Efficiency Ratio | 100.91% | 98.78% | 96.39% | 93.25% | 88.00% | 87.07% | 86.52% | 85.78% | -748 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.71% | -7.87% | -9.93% | -4.83% | -2.69% | -3.69% | -0.82% | -0.53% | +430 bps | |
| Loan Growth (YoY) | 2.99% | 9.72% | 5.12% | -1.48% | -1.13% | -6.45% | -6.55% | -2.39% | -91 bps | |
| Share Growth (YoY) | -8.40% | -11.44% | -10.77% | -1.65% | -3.29% | 0.30% | -1.25% | -1.47% | +18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 3.14% | 3.70% | 3.39% | 2.60% | 3.13% | 1.97% | -173 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 | 1.36% | 1.14% | 1.35% | 1.73% | 1.73% | 0.66% | 0.66% | 0.60% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.59% | 13.15% | 12.36% | 12.70% | 13.05% | 13.43% | 13.08% | +72 bps | |
| Net Worth / Assets | 12.25% | 12.59% | 13.15% | 12.36% | 12.70% | 13.05% | 13.43% | 13.08% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.14% | 82.66% | 82.05% | 73.86% | 74.78% | 77.09% | 77.64% | 73.17% | -69 bps | |
| Liquid Assets / Assets | 31.08% | 26.72% | 24.86% | 31.53% | 0.00% | 0.00% | 0.00% | 0.00% | -3,153 bps | |