Holland, MI · Charter 62084
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | -0.93% | -1.11% | -1.04% | -0.81% | -0.74% | -0.69% | -0.60% | +43 bps | |
| Return on Equity | -3.95% | -4.18% | -5.14% | -4.85% | -3.80% | -3.36% | -3.18% | -2.75% | +210 bps | |
| Net Interest Margin | 1.39% | 1.47% | 1.40% | 1.41% | 1.59% | 1.70% | 1.66% | 1.72% | +31 bps | |
| Efficiency Ratio | 144.98% | 147.26% | 164.76% | 158.48% | 141.72% | 135.35% | 133.76% | 125.69% | -3,279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.20% | 0.54% | -0.33% | -0.81% | -1.04% | -1.37% | -3.13% | -4.93% | -412 bps | |
| Loan Growth (YoY) | -5.79% | -6.74% | -13.04% | -10.10% | -7.48% | -1.97% | 3.70% | -0.22% | +988 bps | |
| Share Growth (YoY) | 2.82% | 1.98% | 0.79% | 0.14% | -0.22% | -0.89% | -3.19% | -5.45% | -559 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.56% | 0.72% | 0.43% | 1.07% | 0.96% | 0.96% | 0.33% | -11 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 | 0.77% | 0.70% | 0.79% | 0.66% | 0.66% | 0.69% | 0.62% | 0.41% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.10% | 22.37% | 21.63% | 21.38% | 21.46% | 21.94% | 21.71% | 21.98% | +60 bps | |
| Net Worth / Assets | 22.10% | 22.37% | 21.63% | 21.38% | 21.46% | 21.94% | 21.71% | 21.98% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.07% | 20.05% | 18.06% | 18.34% | 18.60% | 19.83% | 19.35% | 19.36% | +101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |