Grand Rapids, MI · Charter 62253
Q2 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.36% | 4.44% | 4.56% | 3.95% | 0.80% | 0.91% | 0.61% | 0.64% | -331 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.14% | 5.72% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.44% | 5.31% | 5.57% | 5.08% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 70.25% | 69.79% | 70.87% | 71.91% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.01% | 55.13% | 58.19% | 49.63% | 44.95% | 26.03% | 14.55% | 18.12% | -3,151 bps | |
| Loan Growth (YoY) | 52.85% | 54.70% | 48.63% | 52.82% | 46.05% | 26.41% | 21.77% | 11.90% | -4,093 bps | |
| Share Growth (YoY) | 42.49% | 55.98% | 65.14% | 56.80% | 50.30% | 30.91% | 15.61% | 19.86% | -3,694 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.43% | 1.68% | 1.29% | 1.43% | 1.78% | 1.94% | 1.71% | +42 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 | 0.77% | 0.74% | 0.63% | 1.01% | 1.12% | 1.47% | 1.69% | 1.65% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.93% | 11.22% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.93% | 11.22% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.76% | 109.04% | 104.51% | 112.79% | 111.51% | 105.30% | 110.09% | 105.30% | -749 bps | |
| Liquid Assets / Assets | 1.30% | 3.13% | 7.19% | 1.13% | 0.35% | 4.86% | 1.01% | 5.09% | +396 bps | |