Grand Rapids, MI · Charter 62466
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.50% | 3.29% | 3.37% | 3.39% | 3.15% | 3.86% | 3.70% | 3.49% | +11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 2.14% | 1.98% | 12.44% | 25.69% | 37.98% | 49.88% | 39.01% | +2,656 bps | |
| Loan Growth (YoY) | n/a | 37.40% | 51.13% | 51.46% | 86.82% | 80.31% | 75.25% | 63.84% | +1,238 bps | |
| Share Growth (YoY) | n/a | 0.00% | 0.03% | 9.90% | 23.63% | 38.31% | 51.42% | 39.57% | +2,967 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.48% | 0.62% | 1.19% | 0.77% | 0.57% | 0.29% | 1.27% | +8 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 | 1.98% | 1.99% | 1.65% | 1.25% | 0.91% | 0.72% | 0.62% | 0.53% | -72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.19% | 52.52% | 61.57% | 64.21% | 71.31% | 68.46% | 71.26% | 75.38% | +1,116 bps | |
| Liquid Assets / Assets | 33.36% | 18.80% | 10.77% | 30.99% | 24.65% | 25.82% | 21.43% | 27.78% | -321 bps | |