Battle Creek, MI · Charter 62019
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.56% | -0.41% | -0.17% | -0.35% | -0.62% | -0.89% | -1.20% | -103 bps | |
| Return on Equity | 0.08% | -3.80% | -2.73% | -1.09% | -2.20% | -3.93% | -5.73% | -7.73% | -664 bps | |
| Net Interest Margin | 3.86% | 3.84% | 3.86% | 4.01% | 4.24% | 4.42% | 4.38% | 4.02% | +1 bps | |
| Efficiency Ratio | 90.79% | 94.49% | 98.01% | 96.51% | 98.70% | 102.30% | 114.53% | 119.82% | +2,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.26% | -8.13% | -11.28% | -10.04% | -9.05% | -8.13% | -7.68% | -7.59% | +245 bps | |
| Loan Growth (YoY) | -9.72% | -4.01% | -7.18% | 2.16% | -0.49% | -3.99% | -0.54% | -9.81% | -1,197 bps | |
| Share Growth (YoY) | -10.42% | -9.46% | -15.24% | -11.95% | -9.06% | -8.87% | -5.96% | -7.48% | +447 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 0.77% | 1.14% | 1.96% | 1.91% | 1.03% | 0.81% | 0.93% | -104 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 | 0.35% | 0.49% | 0.51% | 0.47% | 0.80% | 1.02% | 0.68% | 0.81% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.93% | 14.80% | 14.91% | 15.37% | 15.99% | 15.76% | 15.57% | 15.51% | +14 bps | |
| Net Worth / Assets | 14.93% | 14.80% | 14.91% | 15.37% | 15.99% | 15.76% | 15.57% | 15.51% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.58% | 57.32% | 56.18% | 61.02% | 64.10% | 60.39% | 59.43% | 59.48% | -154 bps | |
| Liquid Assets / Assets | 21.18% | 21.40% | 22.54% | 17.91% | 41.63% | 31.15% | 0.00% | 0.00% | -1,791 bps | |