Lansing, MI · Charter 65573
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.27% | 0.19% | 0.08% | -1.39% | -0.81% | -0.52% | -0.49% | -57 bps | |
| Return on Equity | 3.18% | 3.27% | 2.15% | 0.91% | -17.47% | -10.03% | -6.16% | -5.86% | -676 bps | |
| Net Interest Margin | 3.65% | 3.73% | 3.89% | 3.60% | 3.40% | 3.41% | 3.78% | 3.75% | +15 bps | |
| Efficiency Ratio | 89.43% | 88.92% | 90.34% | 92.22% | 104.21% | 98.39% | 94.20% | 94.91% | +268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.01% | -2.67% | -4.52% | -3.41% | -2.22% | -2.65% | -3.32% | -4.53% | -112 bps | |
| Loan Growth (YoY) | -13.40% | -12.45% | -9.84% | -6.41% | -7.66% | -16.31% | -14.59% | -17.35% | -1,094 bps | |
| Share Growth (YoY) | -5.61% | -3.08% | -6.18% | -3.81% | -2.05% | -2.46% | -2.04% | -4.02% | -20 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 0.72% | 1.09% | 2.18% | 1.09% | 0.83% | 1.09% | 0.42% | -176 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 | 1.01% | 0.83% | 0.99% | 0.96% | 1.01% | 0.81% | 1.23% | 1.10% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.12% | 8.33% | 8.63% | 8.46% | 7.96% | 8.09% | 8.47% | 8.37% | -9 bps | |
| Net Worth / Assets | 8.12% | 8.33% | 8.63% | 8.46% | 7.96% | 8.09% | 8.47% | 8.37% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.04% | 55.86% | 56.38% | 53.22% | 50.95% | 47.93% | 49.16% | 45.83% | -740 bps | |
| Liquid Assets / Assets | 29.13% | 30.03% | 28.53% | 25.58% | 28.41% | 27.97% | 27.52% | 35.94% | +1,036 bps | |