Garden City, MI · Charter 6696
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.67% | 1.13% | 1.30% | 1.42% | 1.46% | 1.14% | -0.53% | -183 bps | |
| Return on Equity | 5.16% | 4.92% | 8.13% | 8.83% | 9.12% | 9.03% | 7.01% | -3.32% | -1,215 bps | |
| Net Interest Margin | 3.42% | 3.53% | 3.81% | 4.06% | 4.23% | 4.30% | 4.03% | 4.31% | +25 bps | |
| Efficiency Ratio | 77.79% | 77.42% | 73.33% | 71.39% | 69.27% | 69.43% | 74.41% | 105.27% | +3,389 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.42% | 1.45% | -1.77% | -5.73% | -8.21% | -8.41% | -6.53% | -6.09% | -36 bps | |
| Loan Growth (YoY) | -2.83% | 0.31% | -0.89% | -7.72% | -5.76% | -1.13% | 1.80% | 2.96% | +1,068 bps | |
| Share Growth (YoY) | 0.98% | 1.11% | -3.39% | -7.96% | -10.38% | -12.38% | -8.28% | -8.43% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.32% | 0.73% | 0.89% | 2.49% | 2.38% | 1.19% | 1.13% | +24 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 | 0.85% | 0.89% | 0.61% | 0.89% | 0.96% | 1.08% | 0.99% | 1.25% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.16% | 13.54% | 13.91% | 14.70% | 15.56% | 16.14% | 16.20% | 16.08% | +138 bps | |
| Net Worth / Assets | 13.16% | 13.54% | 13.91% | 14.70% | 15.56% | 16.14% | 16.20% | 16.08% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.51% | 33.90% | 33.23% | 33.35% | 35.24% | 38.25% | 36.88% | 37.50% | +415 bps | |
| Liquid Assets / Assets | 35.27% | 38.28% | 37.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |