Wyoming, MI · Charter 63290
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.12% | 1.01% | 1.00% | 0.95% | 0.52% | 0.37% | 0.34% | -66 bps | |
| Return on Equity | 4.87% | 5.28% | 4.95% | 4.69% | 4.35% | 2.43% | 1.76% | 1.66% | -303 bps | |
| Net Interest Margin | 4.69% | 4.79% | 4.16% | 4.25% | 4.30% | 3.67% | 3.46% | 3.38% | -86 bps | |
| Efficiency Ratio | 75.02% | 72.58% | 79.68% | 78.50% | 80.27% | 89.11% | 91.75% | 92.28% | +1,378 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.10% | 5.65% | 3.74% | 7.94% | -2.48% | 3.73% | -1.10% | 2.96% | -497 bps | |
| Loan Growth (YoY) | -13.96% | -19.49% | -26.30% | -30.10% | -26.42% | -28.69% | -29.34% | -31.16% | -106 bps | |
| Share Growth (YoY) | 5.74% | 4.21% | 2.19% | 7.69% | -4.94% | 3.41% | -1.95% | 3.97% | -372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.47% | 2.12% | 1.36% | 0.13% | 0.12% | 0.95% | 1.17% | -19 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 | 2.09% | 2.42% | 2.72% | 2.92% | 1.94% | 2.32% | 2.14% | 2.36% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.73% | 21.13% | 20.35% | 21.30% | 21.78% | 21.43% | 21.17% | 20.53% | -76 bps | |
| Net Worth / Assets | 19.73% | 21.13% | 20.35% | 21.30% | 21.78% | 21.43% | 21.17% | 20.53% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.98% | 53.74% | 45.43% | 44.27% | 42.56% | 37.06% | 32.74% | 29.31% | -1,496 bps | |
| Liquid Assets / Assets | 42.74% | 40.89% | 26.30% | 32.17% | 46.38% | 26.52% | 37.00% | 40.27% | +811 bps | |