Holland, MI · Charter 62412
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.43% | 0.43% | 0.37% | -0.21% | 0.04% | 0.08% | -4.30% | -467 bps | |
| Return on Equity | 1.65% | 2.05% | 1.97% | 1.65% | -1.00% | 0.17% | 0.36% | -23.29% | -2,494 bps | |
| Net Interest Margin | 3.98% | 3.99% | 4.17% | 4.15% | 3.73% | 3.95% | 4.09% | 2.85% | -130 bps | |
| Efficiency Ratio | 87.74% | 89.14% | 89.87% | 90.55% | 94.33% | 92.90% | 93.06% | 197.56% | +10,701 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | -2.10% | -3.76% | -5.11% | -0.99% | -5.52% | -3.07% | -2.77% | +234 bps | |
| Loan Growth (YoY) | -10.03% | -7.77% | -1.89% | 1.88% | 3.56% | 2.32% | 4.26% | 2.07% | +18 bps | |
| Share Growth (YoY) | -2.55% | -2.93% | -4.38% | -6.31% | -1.41% | -6.76% | -4.29% | -2.76% | +356 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.73% | 1.12% | 1.48% | 1.27% | 1.06% | 0.53% | 0.35% | -113 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 | 1.67% | 1.39% | 1.35% | 1.22% | 1.31% | 1.19% | 0.90% | 0.89% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.75% | 20.78% | 21.77% | 22.16% | 21.17% | 22.15% | 22.56% | 18.48% | -367 bps | |
| Net Worth / Assets | 20.75% | 20.78% | 21.77% | 22.16% | 21.17% | 22.15% | 22.56% | 18.48% | -367 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.66% | 44.91% | 48.03% | 50.73% | 46.91% | 49.28% | 52.32% | 53.25% | +252 bps | |
| Liquid Assets / Assets | 13.55% | 15.03% | 16.95% | 22.91% | 30.22% | 0.00% | 0.00% | 0.00% | -2,291 bps | |