Wyoming, MI · Charter 62374
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.43% | 0.44% | 0.14% | 0.23% | 0.26% | 0.37% | 0.70% | +56 bps | |
| Return on Equity | 1.97% | 2.16% | 2.12% | 0.69% | 1.14% | 1.26% | 1.77% | 3.47% | +278 bps | |
| Net Interest Margin | 3.88% | 4.04% | 4.20% | 3.82% | 3.84% | 3.92% | 4.03% | 4.01% | +19 bps | |
| Efficiency Ratio | 91.40% | 90.77% | 90.79% | 95.37% | 93.83% | 92.04% | 90.67% | 85.86% | -950 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | -1.82% | -6.33% | -5.89% | -3.73% | -1.63% | 0.82% | 3.19% | +908 bps | |
| Loan Growth (YoY) | -9.95% | -13.03% | -10.40% | -9.70% | -8.20% | -4.56% | -2.10% | -4.94% | +476 bps | |
| Share Growth (YoY) | -3.10% | -2.96% | -8.74% | -7.85% | -5.54% | -2.71% | 0.87% | 3.51% | +1,136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.42% | 0.60% | 0.58% | 1.34% | 1.81% | 2.06% | 1.26% | +68 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 | 1.41% | 1.41% | 1.14% | 1.12% | 1.31% | 1.65% | 1.72% | 1.62% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.01% | 19.87% | 20.89% | 20.34% | 20.09% | 20.50% | 21.09% | 20.21% | -13 bps | |
| Net Worth / Assets | 19.01% | 19.87% | 20.89% | 20.34% | 20.09% | 20.50% | 21.09% | 20.21% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.52% | 38.96% | 40.20% | 37.39% | 37.44% | 38.22% | 39.02% | 34.34% | -305 bps | |
| Liquid Assets / Assets | 26.56% | 26.34% | 27.12% | 29.68% | 33.10% | 31.19% | 32.73% | 37.50% | +782 bps | |