Stevensville, MI · Charter 62161
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.47% | 4.23% | 3.68% | 0.26% | 0.09% | 0.04% | 0.39% | 3.14% | +287 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.45% | 4.93% | 42.14% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.21% | 5.34% | 5.44% | 5.03% | 7.88% | +267 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 91.07% | 85.49% | 89.89% | 93.18% | 63.68% | -2,739 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 5.89% | 5.83% | 1.35% | -0.45% | -3.68% | 4.63% | 4.53% | +318 bps | |
| Loan Growth (YoY) | -7.04% | -9.53% | -1.12% | 5.68% | 3.74% | 10.04% | -4.76% | -11.26% | -1,694 bps | |
| Share Growth (YoY) | 8.26% | 5.73% | 6.52% | 1.15% | -0.94% | -4.59% | 5.25% | 5.83% | +467 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 1.08% | 0.81% | 2.52% | 0.96% | 3.65% | 2.33% | 2.89% | +38 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 | 1.22% | 1.32% | 1.13% | 1.34% | 1.51% | 1.30% | 1.51% | 1.67% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 8.82% | 7.85% | 7.45% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 8.82% | 7.85% | 7.45% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.58% | 78.44% | 85.41% | 92.33% | 83.34% | 90.47% | 77.29% | 77.43% | -1,490 bps | |
| Liquid Assets / Assets | 19.29% | 24.19% | 14.45% | 5.49% | 9.92% | 12.86% | 24.24% | 24.02% | +1,853 bps | |