Jackson, MI · Charter 6675
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.00% | 0.96% | 0.81% | 1.46% | 1.29% | 1.71% | 1.51% | +70 bps | |
| Return on Equity | 9.55% | 8.24% | 7.79% | 6.64% | 11.10% | 9.80% | 12.61% | 12.62% | +598 bps | |
| Net Interest Margin | 4.20% | 4.51% | 4.67% | 4.92% | 5.01% | 4.53% | 4.49% | 3.66% | -126 bps | |
| Efficiency Ratio | 67.47% | 67.98% | 65.81% | 64.55% | 62.71% | 68.79% | 65.61% | 65.82% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.84% | 13.50% | 5.66% | 1.93% | -0.32% | 10.11% | 11.60% | 37.46% | +3,553 bps | |
| Loan Growth (YoY) | 14.94% | 13.51% | 8.35% | 3.47% | -3.66% | -11.19% | -3.14% | 33.21% | +2,974 bps | |
| Share Growth (YoY) | 14.07% | 14.47% | 6.24% | 1.24% | -1.80% | 9.88% | 10.19% | 38.98% | +3,774 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.16% | 2.60% | 2.42% | 1.96% | 2.33% | 1.96% | 1.60% | 1.88% | -8 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 | 1.77% | 1.88% | 2.20% | 2.27% | 2.41% | 2.52% | 2.33% | 1.72% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.63% | 12.11% | 12.36% | 12.18% | 13.15% | 13.13% | 13.53% | 11.94% | -24 bps | |
| Net Worth / Assets | 11.63% | 12.11% | 12.36% | 12.18% | 13.15% | 13.13% | 13.53% | 11.94% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.59% | 99.34% | 98.39% | 91.39% | 92.79% | 80.30% | 86.49% | 87.59% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |