Kalamazoo, MI · Charter 61749
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.30% | 1.34% | 1.70% | 1.36% | 1.20% | -5.31% | -4.84% | -655 bps | |
| Return on Equity | 5.30% | 5.53% | 5.47% | 6.96% | 5.46% | 4.46% | -25.24% | -24.31% | -3,127 bps | |
| Net Interest Margin | 4.38% | 4.44% | 4.67% | 4.55% | 4.51% | 4.74% | -1.54% | 3.99% | -57 bps | |
| Efficiency Ratio | 76.53% | 76.16% | 75.95% | 69.72% | 75.76% | 76.53% | n/a | 101.75% | +3,202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.69% | 2.64% | -0.03% | 5.85% | 1.45% | -8.37% | -6.94% | -9.06% | -1,491 bps | |
| Loan Growth (YoY) | -12.86% | -9.21% | -8.67% | -11.92% | -7.56% | -8.31% | -6.46% | -12.92% | -100 bps | |
| Share Growth (YoY) | -2.69% | 1.70% | -2.25% | 5.29% | -0.19% | -12.92% | -10.34% | -10.29% | -1,558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.71% | 2.62% | 2.54% | 1.78% | 2.31% | 9.28% | 9.60% | 1.75% | -3 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 | 1.16% | 1.00% | 1.15% | 1.25% | 1.19% | 1.52% | 1.45% | 4.24% | +299 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.86% | 23.50% | 24.53% | 24.49% | 24.90% | 26.90% | 21.05% | 19.92% | -457 bps | |
| Net Worth / Assets | 23.86% | 23.50% | 24.53% | 24.49% | 24.90% | 26.90% | 21.05% | 19.92% | -457 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.23% | 63.74% | 63.92% | 59.62% | 63.19% | 67.12% | 66.69% | 57.87% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |