Hart, MI · Charter 62039
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.49% | 0.68% | 0.46% | 0.45% | 0.72% | 0.67% | 0.74% | +28 bps | |
| Return on Equity | 3.02% | 4.75% | 6.96% | 4.81% | 4.75% | 7.21% | 6.51% | 7.49% | +268 bps | |
| Net Interest Margin | 3.94% | 3.63% | 3.45% | 3.36% | 3.32% | 3.57% | 3.60% | 3.47% | +11 bps | |
| Efficiency Ratio | 92.03% | 88.27% | 81.78% | 82.49% | 83.10% | 78.52% | 80.07% | 77.61% | -488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.91% | 27.33% | 16.45% | 24.36% | 27.06% | 10.11% | -0.43% | 3.41% | -2,094 bps | |
| Loan Growth (YoY) | 3.22% | 4.71% | 13.80% | -0.53% | -0.38% | 5.40% | 2.23% | 12.30% | +1,282 bps | |
| Share Growth (YoY) | 22.29% | 30.51% | 17.69% | 26.45% | 29.83% | 10.39% | -0.86% | 3.41% | -2,304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 2.63% | 2.57% | 5.69% | 2.27% | 6.23% | 5.35% | 1.42% | -426 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 | 1.03% | 1.04% | 1.09% | 0.88% | 0.94% | 0.98% | 1.04% | 1.10% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.34% | 10.39% | 9.78% | 9.48% | 9.37% | 9.97% | 10.28% | 9.83% | +35 bps | |
| Net Worth / Assets | 11.34% | 10.39% | 9.78% | 9.48% | 9.37% | 9.97% | 10.28% | 9.83% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.40% | 56.43% | 53.62% | 48.84% | 48.65% | 53.88% | 55.29% | 53.04% | +420 bps | |
| Liquid Assets / Assets | 41.93% | 47.32% | 49.79% | 54.07% | 54.33% | 49.62% | 48.29% | 50.16% | -391 bps | |