Bay City, MI · Charter 62283
Q3 2002
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.28% | 0.38% | 0.36% | 0.32% | -0.31% | -0.31% | 0.02% | -0.08% | -40 bps | |
| Return on Equity | n/a | n/a | n/a | 1.27% | -1.32% | -1.30% | 0.08% | -0.51% | -178 bps | |
| Net Interest Margin | n/a | 5.77% | 5.83% | 6.18% | 5.40% | 5.13% | 4.09% | 4.47% | -171 bps | |
| Efficiency Ratio | n/a | 93.53% | 94.01% | 94.95% | 105.72% | 106.04% | 99.55% | 101.78% | +683 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.21% | -24.36% | -19.25% | -12.07% | -7.85% | -0.24% | 2.06% | 1.84% | +1,391 bps | |
| Loan Growth (YoY) | -8.39% | 7.10% | 22.69% | 22.43% | 1.57% | -16.81% | -34.61% | -39.79% | -6,222 bps | |
| Share Growth (YoY) | -27.15% | -29.98% | -24.08% | -16.11% | -10.42% | -0.17% | 3.18% | 15.97% | +3,209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 1.98% | 0.96% | 1.15% | 0.50% | 0.81% | 6.53% | 3.23% | +208 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 | 3.86% | 3.72% | 2.98% | 3.13% | 3.49% | 4.72% | 5.04% | 5.11% | +198 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 24.98% | 23.74% | 24.18% | 23.06% | 15.64% | -934 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 24.98% | 23.74% | 24.18% | 23.06% | 15.64% | -934 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.35% | 104.11% | 106.08% | 110.70% | 93.37% | 86.75% | 67.23% | 57.47% | -5,322 bps | |
| Liquid Assets / Assets | 23.24% | 0.00% | 12.33% | 18.37% | 29.20% | 36.01% | 49.27% | 52.37% | +3,400 bps | |