Holland, MI · Charter 63264
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.14% | -0.56% | -0.26% | 0.13% | 0.09% | 0.69% | 0.53% | +80 bps | |
| Return on Equity | 0.86% | 0.63% | -2.69% | -1.24% | 0.54% | 0.41% | 3.10% | 2.35% | +358 bps | |
| Net Interest Margin | 4.88% | 4.97% | 4.77% | 4.82% | 5.13% | 5.01% | 4.58% | 4.56% | -26 bps | |
| Efficiency Ratio | 81.77% | 83.44% | 73.07% | 78.89% | 79.26% | 80.95% | 78.91% | 85.13% | +624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.61% | -5.99% | -5.46% | -4.25% | -7.32% | -3.59% | -4.45% | -3.90% | +35 bps | |
| Loan Growth (YoY) | -8.03% | -7.33% | -3.77% | -1.61% | -8.86% | -10.16% | -10.99% | -7.20% | -559 bps | |
| Share Growth (YoY) | -11.66% | -7.58% | -6.61% | -5.14% | -10.24% | -5.18% | -6.68% | -5.94% | -80 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.96% | 4.67% | 2.54% | 4.51% | 5.61% | 4.83% | 4.09% | 4.77% | +26 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 | 1.34% | 1.64% | 1.52% | 1.77% | 1.34% | 1.54% | 1.88% | 1.86% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.53% | 22.08% | 20.91% | 21.33% | 23.32% | 22.99% | 22.29% | 22.69% | +136 bps | |
| Net Worth / Assets | 21.53% | 22.08% | 20.91% | 21.33% | 23.32% | 22.99% | 22.29% | 22.69% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.23% | 82.97% | 74.04% | 74.98% | 82.47% | 78.61% | 70.62% | 73.98% | -100 bps | |
| Liquid Assets / Assets | 27.39% | 25.27% | 33.74% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |