Escanaba, MI · Charter 7183
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.57% | 0.35% | 0.34% | 0.55% | 0.44% | 0.40% | 0.54% | +20 bps | |
| Return on Equity | 3.43% | 4.88% | 3.03% | 3.03% | 4.90% | 3.92% | 3.54% | 4.74% | +171 bps | |
| Net Interest Margin | 3.28% | 3.23% | 3.13% | 3.06% | 3.37% | 3.23% | 3.28% | 3.32% | +26 bps | |
| Efficiency Ratio | 87.60% | 82.81% | 89.21% | 89.19% | 83.83% | 86.69% | 88.16% | 84.23% | -497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.37% | 14.30% | 11.68% | 12.07% | 12.30% | 7.25% | 5.86% | 4.91% | -715 bps | |
| Loan Growth (YoY) | 9.25% | 7.27% | 17.50% | 26.44% | 22.58% | 25.63% | 25.52% | 18.45% | -799 bps | |
| Share Growth (YoY) | 10.75% | 14.46% | 14.51% | 11.60% | 14.28% | 7.47% | 6.88% | 6.83% | -476 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.09% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0.26% | +26 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 | 0.88% | 0.87% | 0.80% | 0.62% | 0.66% | 0.62% | 0.57% | 0.55% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.06% | 11.62% | 11.40% | 11.25% | 11.27% | 11.27% | 11.30% | 11.34% | +9 bps | |
| Net Worth / Assets | 12.06% | 11.62% | 11.40% | 11.25% | 11.27% | 11.27% | 11.30% | 11.34% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.65% | 57.24% | 61.80% | 66.39% | 62.91% | 66.91% | 72.57% | 73.62% | +722 bps | |
| Liquid Assets / Assets | 24.55% | 28.69% | 24.69% | 21.99% | 26.65% | 25.89% | 9.23% | 28.10% | +611 bps | |