Holland, MI · Charter 62117
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.36% | 1.31% | 0.80% | 0.30% | -0.42% | -0.25% | -0.12% | -91 bps | |
| Return on Equity | n/a | n/a | 5.46% | 3.36% | 1.36% | -1.97% | -1.16% | -0.48% | -383 bps | |
| Net Interest Margin | 5.13% | 5.81% | 5.77% | 5.07% | 4.41% | 3.86% | 3.98% | 4.48% | -59 bps | |
| Efficiency Ratio | 75.48% | 68.08% | 69.62% | 79.38% | 85.11% | 94.11% | 94.00% | 93.03% | +1,366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.88% | 13.92% | 5.41% | -2.16% | 10.29% | 13.21% | 10.74% | -4.16% | -200 bps | |
| Loan Growth (YoY) | -8.31% | 3.18% | 1.36% | -6.89% | -7.99% | -28.78% | -27.81% | -14.53% | -765 bps | |
| Share Growth (YoY) | 21.95% | 15.15% | 4.04% | -5.66% | 11.98% | 17.15% | 14.94% | -3.30% | +236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.95% | 1.57% | 2.47% | 2.05% | 2.36% | 1.80% | 4.55% | +208 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 | 0.56% | 1.09% | 1.49% | 2.17% | 1.26% | 2.11% | 2.12% | 2.08% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 24.05% | 23.72% | 21.92% | 21.35% | 21.82% | 24.55% | +83 bps | |
| Net Worth / Assets | n/a | n/a | 24.05% | 23.72% | 21.92% | 21.35% | 21.82% | 24.55% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.20% | 73.40% | 70.98% | 61.58% | 52.75% | 44.63% | 44.58% | 54.43% | -715 bps | |
| Liquid Assets / Assets | 16.22% | 14.87% | 45.53% | 53.10% | 58.08% | 64.08% | 64.17% | 58.07% | +497 bps | |