Saginaw, MI · Charter 62078
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | 0.05% | 0.42% | 0.04% | 0.33% | 0.32% | 0.50% | 0.16% | +11 bps | |
| Return on Equity | -2.01% | 0.43% | 3.73% | 0.38% | 2.85% | 3.03% | 4.84% | 1.54% | +117 bps | |
| Net Interest Margin | 5.06% | 5.31% | 5.29% | 5.10% | 5.12% | 4.64% | 4.47% | 4.50% | -60 bps | |
| Efficiency Ratio | 91.24% | 89.62% | 83.99% | 93.68% | 91.41% | 91.80% | 87.87% | 93.88% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.98% | -3.36% | -5.30% | -6.84% | -4.15% | 9.93% | 14.28% | 19.49% | +2,633 bps | |
| Loan Growth (YoY) | 5.02% | 0.30% | -3.55% | -1.96% | -1.19% | 5.04% | 8.77% | 4.37% | +633 bps | |
| Share Growth (YoY) | -7.87% | -4.28% | -6.70% | -7.99% | -5.31% | 9.31% | 15.54% | 20.84% | +2,884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.54% | 0.45% | 0.51% | 0.57% | 0.60% | 0.99% | 0.95% | +44 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 | 0.93% | 0.82% | 0.86% | 0.83% | 0.84% | 0.85% | 0.64% | 0.60% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.38% | 10.97% | 11.34% | 11.49% | 11.53% | 10.57% | 10.42% | 10.14% | -135 bps | |
| Net Worth / Assets | 10.38% | 10.97% | 11.34% | 11.49% | 11.53% | 10.57% | 10.42% | 10.14% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.12% | 89.48% | 89.01% | 90.65% | 91.95% | 85.99% | 83.79% | 78.29% | -1,236 bps | |
| Liquid Assets / Assets | 17.80% | 17.34% | 17.88% | 16.75% | 0.00% | 0.00% | 0.00% | 0.00% | -1,675 bps | |