Grand Rapids, MI · Charter 61970
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.37% | 0.29% | 0.17% | 0.26% | -0.32% | -0.02% | -0.05% | -22 bps | |
| Return on Equity | 2.17% | 2.19% | 1.57% | 0.91% | 1.29% | -1.72% | -0.13% | -0.23% | -113 bps | |
| Net Interest Margin | 3.38% | 3.23% | 3.43% | 3.55% | 3.73% | 3.08% | 3.37% | 3.56% | +2 bps | |
| Efficiency Ratio | 90.05% | 92.44% | 93.67% | 94.60% | 93.03% | 104.04% | 97.14% | 98.27% | +367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.88% | -9.66% | -12.30% | -12.32% | -13.41% | -10.04% | -2.52% | -4.69% | +764 bps | |
| Loan Growth (YoY) | -1.26% | 5.48% | 8.54% | 9.04% | 15.56% | 10.56% | 5.53% | 2.54% | -650 bps | |
| Share Growth (YoY) | -14.24% | -15.68% | -14.76% | -14.44% | -15.38% | -8.42% | -2.23% | -5.79% | +865 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.46% | 0.75% | 0.53% | 3.00% | 3.12% | 0.67% | 1.10% | +57 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 | 0.77% | 0.75% | 0.78% | 0.70% | 0.74% | 0.80% | 0.82% | 0.69% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.11% | 16.66% | 18.44% | 19.20% | 20.02% | 18.58% | 19.00% | 20.24% | +104 bps | |
| Net Worth / Assets | 17.11% | 16.66% | 18.44% | 19.20% | 20.02% | 18.58% | 19.00% | 20.24% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.31% | 58.05% | 64.28% | 70.81% | 75.53% | 70.08% | 69.37% | 77.07% | +626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |