St Joseph, MI · Charter 64077
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 | 1.91% | 2.28% | 2.91% | 2.21% | 0.82% | 0.89% | 1.27% | -6.23% | -844 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 9.51% | -62.51% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.69% | 5.33% | 6.34% | 4.84% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 85.31% | 88.92% | 82.77% | 202% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.50% | 3.31% | 9.82% | 20.58% | 9.29% | 4.13% | -1.65% | -13.48% | -3,406 bps | |
| Loan Growth (YoY) | -13.51% | -15.75% | 11.06% | 18.54% | -2.66% | -4.78% | -23.84% | -40.14% | -5,868 bps | |
| Share Growth (YoY) | -5.35% | 3.54% | 9.52% | 21.02% | 8.33% | 2.18% | -5.26% | -14.53% | -3,555 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.24% | 1.78% | 1.80% | 2.40% | 2.70% | 3.32% | 2.37% | 2.86% | +46 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 | 0.99% | 1.22% | 1.00% | 1.16% | 0.89% | 1.20% | 1.60% | 1.48% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 13.32% | 9.97% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.32% | 9.97% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.20% | 53.17% | 68.86% | 59.56% | 63.08% | 49.55% | 55.36% | 41.72% | -1,785 bps | |
| Liquid Assets / Assets | 23.30% | 45.79% | 33.87% | 44.12% | 8.15% | 7.69% | 50.71% | 60.89% | +1,676 bps | |