Lawton, MI · Charter 62251
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.87% | -0.09% | 0.28% | 0.16% | 0.14% | 0.62% | 0.70% | +42 bps | |
| Return on Equity | 1.53% | -12.02% | -1.07% | 3.57% | 1.97% | 1.79% | 7.88% | 8.30% | +473 bps | |
| Net Interest Margin | 3.66% | 3.58% | 3.84% | 3.58% | 3.73% | 3.58% | 3.60% | 3.86% | +29 bps | |
| Efficiency Ratio | 82.28% | 84.70% | 80.55% | 80.64% | 80.57% | 79.62% | 79.55% | 77.98% | -266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | -2.20% | -4.76% | -5.96% | -4.24% | -0.18% | 8.44% | -1.51% | +446 bps | |
| Loan Growth (YoY) | -4.73% | -5.95% | -7.60% | -10.96% | -11.96% | -12.76% | -8.63% | -9.63% | +134 bps | |
| Share Growth (YoY) | 4.89% | -2.42% | -4.88% | -6.69% | -4.65% | -0.60% | 8.43% | -1.99% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.71% | 3.10% | 3.49% | 4.30% | 1.89% | 1.46% | 2.44% | 2.13% | -217 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 | 1.90% | 2.25% | 2.36% | 2.41% | 1.43% | 2.09% | 2.11% | 1.70% | -71 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.47% | 7.27% | 8.00% | 7.83% | 7.96% | 7.69% | 7.88% | 8.42% | +59 bps | |
| Net Worth / Assets | 7.47% | 7.27% | 8.00% | 7.83% | 7.96% | 7.69% | 7.88% | 8.42% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.10% | 51.39% | 54.99% | 51.61% | 49.95% | 45.11% | 46.34% | 47.59% | -402 bps | |
| Liquid Assets / Assets | 41.69% | 45.92% | 41.56% | 45.67% | 46.91% | 51.17% | 49.96% | 50.78% | +511 bps | |