Escanaba, MI · Charter 62267
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.07% | 0.06% | 0.09% | 0.07% | -0.38% | -3.70% | -5.98% | -8.94% | -901 bps | |
| Return on Equity | -5.73% | 0.32% | 0.47% | 0.35% | -1.93% | -19.70% | -33.12% | -60.11% | -6,046 bps | |
| Net Interest Margin | 1.91% | 2.13% | 2.06% | 1.56% | 1.57% | -2.11% | -4.48% | -6.76% | -833 bps | |
| Efficiency Ratio | 71.92% | 78.46% | 85.29% | 95.64% | 115.83% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.48% | 7.83% | 8.87% | 6.24% | -4.20% | -3.51% | -5.84% | -9.20% | -1,544 bps | |
| Loan Growth (YoY) | -14.58% | -22.99% | -22.43% | -23.46% | -38.00% | -40.92% | -37.25% | -30.95% | -749 bps | |
| Share Growth (YoY) | 9.41% | 9.52% | 11.14% | 7.15% | -5.36% | -1.89% | -4.00% | -4.08% | -1,123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.26% | 4.12% | 3.21% | 1.74% | 8.70% | 6.75% | 6.00% | 8.27% | +652 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 | 10.69% | 11.28% | 11.70% | 13.33% | 17.32% | 19.08% | 5.32% | 5.51% | -782 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.68% | 19.89% | 19.62% | 19.41% | 19.86% | 18.77% | 18.05% | 14.88% | -453 bps | |
| Net Worth / Assets | 18.68% | 19.89% | 19.62% | 19.41% | 19.86% | 18.77% | 18.05% | 14.88% | -453 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.63% | 17.61% | 16.59% | 14.38% | 11.55% | 10.61% | 10.85% | 10.35% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |