Otsego, MI · Charter 62410
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.83% | -0.63% | -0.64% | -4.66% | -3.14% | -2.82% | -2.14% | -2.40% | +226 bps | |
| Return on Equity | -3.60% | -2.51% | -2.63% | -19.57% | -13.56% | -11.39% | -8.39% | -9.98% | +959 bps | |
| Net Interest Margin | 4.39% | 4.70% | 4.45% | 3.52% | 3.32% | 3.51% | 3.52% | 3.12% | -40 bps | |
| Efficiency Ratio | 115.98% | 111.17% | 111.80% | 132.61% | 135.59% | 135.47% | 129.25% | 155.77% | +2,316 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | -6.68% | -3.09% | -5.68% | -7.10% | -7.34% | -12.33% | -6.66% | -99 bps | |
| Loan Growth (YoY) | -13.36% | -17.54% | -15.46% | -18.67% | -20.31% | -15.16% | -9.44% | -10.04% | +863 bps | |
| Share Growth (YoY) | -3.79% | -7.71% | -2.98% | -5.19% | -8.93% | -9.40% | -14.99% | -9.63% | -443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 0.46% | 2.02% | 1.49% | 2.73% | 5.44% | 3.55% | 1.88% | +39 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 | 5.19% | 4.63% | 4.89% | 4.63% | 4.52% | 4.62% | 4.61% | 5.10% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.17% | 25.05% | 24.27% | 23.82% | 23.17% | 24.73% | 25.54% | 24.10% | +28 bps | |
| Net Worth / Assets | 23.17% | 25.05% | 24.27% | 23.82% | 23.17% | 24.73% | 25.54% | 24.10% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.74% | 57.97% | 52.71% | 50.53% | 49.65% | 54.28% | 56.16% | 50.30% | -23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |