Wyoming, MI · Charter 62128
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.43% | 0.42% | 0.24% | 0.17% | 0.22% | 0.37% | 0.45% | +21 bps | |
| Return on Equity | 2.51% | 2.51% | 2.38% | 1.37% | 0.85% | 1.08% | 1.71% | 2.12% | +75 bps | |
| Net Interest Margin | 3.61% | 3.76% | 3.84% | 3.67% | 3.20% | 3.53% | 3.82% | 4.06% | +38 bps | |
| Efficiency Ratio | 90.66% | 90.47% | 90.71% | 93.75% | 95.37% | 94.95% | 92.50% | 91.63% | -213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.95% | 40.45% | -7.05% | -3.71% | 14.47% | 15.91% | 13.09% | 12.64% | +1,635 bps | |
| Loan Growth (YoY) | 17.71% | 1.50% | -19.20% | -15.23% | 13.88% | 22.96% | 27.17% | 18.68% | +3,390 bps | |
| Share Growth (YoY) | 39.32% | 35.08% | -8.81% | -4.89% | 9.17% | 11.27% | 7.84% | 7.65% | +1,254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.44% | 1.35% | 1.46% | 1.35% | 1.04% | 1.82% | 1.38% | -8 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 | 1.17% | 1.31% | 1.42% | 1.54% | 1.86% | 1.78% | 1.53% | 1.56% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.28% | 17.13% | 17.66% | 17.34% | 19.62% | 20.34% | 21.59% | 21.32% | +399 bps | |
| Net Worth / Assets | 16.28% | 17.13% | 17.66% | 17.34% | 19.62% | 20.34% | 21.59% | 21.32% | +399 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.40% | 35.01% | 34.20% | 33.54% | 36.92% | 38.68% | 40.33% | 36.97% | +344 bps | |
| Liquid Assets / Assets | 34.81% | 33.63% | 32.27% | 33.87% | 30.55% | 27.63% | 25.80% | 29.37% | -450 bps | |