Battle Creek, MI · Charter 61754
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.42% | 0.39% | 0.48% | 0.27% | 0.25% | -3.61% | 0.14% | -34 bps | |
| Return on Equity | 1.84% | 2.47% | 2.16% | 2.64% | 1.47% | 1.30% | -23.30% | 0.98% | -166 bps | |
| Net Interest Margin | 3.54% | 3.75% | 3.94% | 3.94% | 3.99% | 4.19% | 4.34% | 4.03% | +9 bps | |
| Efficiency Ratio | 87.16% | 84.74% | 86.26% | 83.89% | 89.72% | 89.88% | 300% | 90.75% | +686 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | -5.11% | -10.38% | -12.64% | -11.19% | -10.90% | -6.10% | 0.37% | +1,300 bps | |
| Loan Growth (YoY) | -7.46% | 0.30% | 11.43% | 16.63% | 21.61% | 11.90% | 6.46% | -1.54% | -1,817 bps | |
| Share Growth (YoY) | -4.50% | -6.29% | -12.51% | -15.48% | -12.58% | -13.50% | -7.86% | 3.56% | +1,904 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.61% | 2.32% | 2.27% | 2.32% | 2.65% | 5.24% | 4.03% | 3.76% | +144 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 | 1.85% | 1.84% | 1.59% | 1.78% | 1.22% | 1.22% | 1.41% | 1.48% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.06% | 16.90% | 17.93% | 18.29% | 18.45% | 19.21% | 15.49% | 14.72% | -357 bps | |
| Net Worth / Assets | 16.06% | 16.90% | 17.93% | 18.29% | 18.45% | 19.21% | 15.49% | 14.72% | -357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.40% | 57.09% | 63.38% | 67.36% | 71.51% | 73.85% | 73.23% | 64.04% | -332 bps | |
| Liquid Assets / Assets | 27.83% | 26.30% | 25.87% | 25.81% | 0.00% | 0.00% | 0.00% | 0.00% | -2,581 bps | |