Grand Rapids, MI · Charter 63860
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.37% | 4.57% | 4.30% | 4.07% | 1.34% | 1.57% | 1.31% | 0.86% | -321 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 11.97% | 8.34% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.95% | 4.91% | 4.77% | 4.31% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 70.60% | 68.73% | 70.26% | 73.09% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.43% | 22.74% | 30.28% | 29.59% | 26.67% | 27.46% | 23.26% | 26.67% | -292 bps | |
| Loan Growth (YoY) | 50.73% | 31.54% | 28.37% | 29.41% | 22.51% | 17.45% | 11.99% | 7.18% | -2,223 bps | |
| Share Growth (YoY) | 31.32% | 20.65% | 34.69% | 25.38% | 27.15% | 28.74% | 22.57% | 27.60% | +222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.72% | 0.61% | 0.86% | 1.08% | 1.17% | 1.08% | 0.32% | -54 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 | 0.76% | 0.85% | 0.81% | 0.85% | 0.83% | 0.71% | 0.55% | 0.65% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.93% | 10.32% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.93% | 10.32% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.47% | 100.12% | 98.18% | 101.55% | 97.77% | 91.34% | 89.71% | 85.30% | -1,625 bps | |
| Liquid Assets / Assets | 5.49% | 6.84% | 9.78% | 8.86% | 10.38% | 13.09% | 13.97% | 20.39% | +1,152 bps | |