Grandville, MI · Charter 62025
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.20% | 3.33% | 3.66% | 3.08% | 3.53% | 2.02% | 2.27% | 3.64% | +56 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -18.80% | -17.50% | -13.63% | -10.16% | -10.31% | -7.59% | -6.83% | +680 bps | |
| Loan Growth (YoY) | n/a | 11.93% | 6.70% | -13.10% | -7.80% | -15.04% | -21.20% | -20.82% | -771 bps | |
| Share Growth (YoY) | n/a | -22.06% | -21.23% | -11.23% | -11.60% | -12.44% | -7.71% | -9.01% | +222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.98% | 1.25% | 2.35% | 2.56% | 1.98% | 2.32% | 2.85% | 7.83% | +527 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 | 1.43% | 1.13% | 0.61% | 0.39% | 0.66% | 1.06% | 1.82% | 2.32% | +193 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.87% | 82.71% | 88.33% | 78.97% | 86.43% | 80.26% | 75.42% | 68.72% | -1,024 bps | |
| Liquid Assets / Assets | 0.98% | 10.43% | 12.80% | 26.44% | 22.58% | 24.69% | 34.25% | 39.42% | +1,298 bps | |