Bruce Crossing, MI · Charter 62077
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 3.01% | 3.59% | 3.08% | 2.44% | 3.25% | 3.34% | 2.72% | -36 bps | |
| Return on Equity | 21.47% | 26.44% | 28.97% | 23.83% | 19.17% | 24.72% | 24.03% | 19.70% | -412 bps | |
| Net Interest Margin | 5.67% | 6.24% | 6.29% | 6.34% | 6.11% | 6.00% | 5.99% | 5.79% | -56 bps | |
| Efficiency Ratio | 61.22% | 62.94% | 57.80% | 61.39% | 62.16% | 58.02% | 55.30% | 58.19% | -320 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.20% | 7.04% | 10.19% | 5.56% | 1.05% | 6.67% | 7.36% | 11.65% | +610 bps | |
| Loan Growth (YoY) | 3.90% | 4.86% | 11.20% | 9.36% | 6.57% | 6.27% | 3.98% | 5.38% | -398 bps | |
| Share Growth (YoY) | 17.05% | 4.30% | 0.31% | 2.97% | -1.83% | 3.77% | 12.86% | 10.36% | +738 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.70% | 0.74% | 1.54% | 2.81% | 1.21% | 1.81% | 1.68% | +14 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 | 1.31% | 1.26% | 1.21% | 1.41% | 1.56% | 1.33% | 1.19% | 1.35% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.39% | 11.38% | 12.39% | 12.93% | 12.72% | 13.14% | 13.88% | 13.81% | +88 bps | |
| Net Worth / Assets | 10.39% | 11.38% | 12.39% | 12.93% | 12.72% | 13.14% | 13.88% | 13.81% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.66% | 84.34% | 96.32% | 90.97% | 88.65% | 86.37% | 88.73% | 86.87% | -410 bps | |
| Liquid Assets / Assets | 18.58% | 17.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |