Belding, MI · Charter 62246
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.00% | 3.88% | 3.49% | 2.21% | 2.25% | 2.56% | 1.57% | 3.06% | +85 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 7.29% | -1.26% | -6.16% | 1.00% | -6.51% | -4.26% | -5.79% | +37 bps | |
| Loan Growth (YoY) | n/a | -12.68% | -4.60% | -8.24% | 6.70% | 4.87% | 2.06% | 3.92% | +1,216 bps | |
| Share Growth (YoY) | n/a | 6.67% | -3.62% | -5.05% | 3.12% | -6.67% | -1.85% | -7.77% | -273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 2.05% | 0.75% | 2.51% | 0.00% | 0.15% | 0.00% | 11.23% | +873 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 | 3.27% | 2.46% | 2.27% | 2.26% | 1.17% | 1.51% | 0.74% | 0.99% | -127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.55% | 87.02% | 93.66% | 79.36% | 91.62% | 97.78% | 97.39% | 89.42% | +1,006 bps | |
| Liquid Assets / Assets | 25.25% | 15.52% | 14.66% | 27.46% | 18.36% | 18.05% | 16.32% | 21.24% | -622 bps | |