Temperance, MI · Charter 62193
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | -0.17% | -0.17% | -0.21% | -0.56% | -0.19% | -0.12% | -0.15% | +6 bps | |
| Return on Equity | 3.08% | -1.35% | -1.91% | -2.13% | -3.84% | -1.22% | -0.75% | -0.95% | +118 bps | |
| Net Interest Margin | 2.26% | 1.99% | 1.28% | 1.46% | 2.30% | 2.40% | 2.55% | 2.49% | +103 bps | |
| Efficiency Ratio | 83.94% | 102.40% | 113.09% | 114.38% | 123.41% | 107.54% | 104.65% | 105.77% | -861 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.37% | 6.49% | 73.56% | 58.03% | 4.06% | -19.94% | -45.06% | -37.25% | -9,528 bps | |
| Loan Growth (YoY) | -5.56% | -15.47% | -11.45% | -15.68% | 10.15% | 5.08% | -1.88% | 14.08% | +2,976 bps | |
| Share Growth (YoY) | -24.99% | 8.39% | 89.78% | 70.48% | 5.76% | -22.33% | -49.34% | -41.16% | -11,164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.66% | 0.65% | 0.66% | 0.70% | 0.60% | 0.62% | 0.68% | 0.61% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.80% | 12.87% | 9.07% | 9.97% | 14.47% | 15.48% | 16.06% | 15.51% | +554 bps | |
| Net Worth / Assets | 15.80% | 12.87% | 9.07% | 9.97% | 14.47% | 15.48% | 16.06% | 15.51% | +554 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.64% | 33.24% | 22.09% | 23.41% | 42.33% | 44.97% | 42.77% | 45.39% | +2,198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |