Cadillac, MI · Charter 61993
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.23% | 0.38% | 0.11% | 0.38% | 0.41% | 0.41% | 0.37% | +26 bps | |
| Return on Equity | 5.66% | 2.53% | 4.08% | 1.14% | 4.11% | 4.33% | 4.26% | 3.82% | +267 bps | |
| Net Interest Margin | 3.88% | 3.89% | 3.95% | 3.65% | 3.63% | 3.70% | 3.74% | 3.53% | -12 bps | |
| Efficiency Ratio | 87.05% | 93.26% | 90.17% | 94.74% | 89.32% | 88.86% | 88.36% | 91.89% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.09% | 0.92% | 1.80% | -0.40% | -0.97% | 0.95% | 2.40% | 1.65% | +205 bps | |
| Loan Growth (YoY) | -7.96% | -8.81% | -7.40% | -9.30% | -9.59% | -5.19% | -8.23% | -7.29% | +201 bps | |
| Share Growth (YoY) | 3.92% | 0.66% | 1.37% | -0.72% | -1.50% | 0.46% | 2.14% | 1.34% | +206 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.57% | 0.39% | 0.25% | 0.27% | 0.33% | 0.27% | 0.29% | +4 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 | 0.38% | 0.43% | 0.53% | 0.47% | 0.52% | 0.49% | 0.57% | 0.53% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.94% | 9.06% | 9.40% | 9.26% | 9.34% | 9.49% | 9.59% | 9.58% | +32 bps | |
| Net Worth / Assets | 8.94% | 9.06% | 9.40% | 9.26% | 9.34% | 9.49% | 9.59% | 9.58% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.08% | 55.98% | 56.57% | 52.29% | 51.47% | 52.83% | 50.83% | 47.84% | -445 bps | |
| Liquid Assets / Assets | 21.40% | 19.97% | 17.00% | 21.00% | 20.04% | 17.16% | 17.88% | 23.94% | +294 bps | |