Vicksburg, MI · Charter 62165
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.80% | 4.54% | 4.37% | 3.87% | 4.05% | 0.78% | 0.86% | 0.77% | -310 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.22% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.56% | 5.38% | 5.31% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 83.15% | 73.33% | 85.60% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | 0.56% | 9.47% | 2.79% | 5.06% | -4.54% | -10.62% | -6.44% | -923 bps | |
| Loan Growth (YoY) | -3.48% | -14.82% | -2.93% | -16.59% | -18.42% | -16.89% | 2.20% | 5.31% | +2,189 bps | |
| Share Growth (YoY) | -9.38% | -2.63% | 8.33% | 1.21% | 4.72% | -6.67% | -14.32% | -10.16% | -1,137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 3.53% | 7.99% | 4.43% | 2.75% | 4.50% | 4.90% | 2.73% | -169 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 | 1.07% | 1.36% | 1.69% | 3.59% | 1.17% | 1.71% | 1.83% | 2.36% | -123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 23.93% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 23.93% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.01% | 78.51% | 79.02% | 76.79% | 67.01% | 69.91% | 94.25% | 90.01% | +1,321 bps | |
| Liquid Assets / Assets | 12.07% | 22.86% | 22.82% | 32.19% | 23.07% | 0.00% | 20.43% | 31.43% | -76 bps | |