Battle Creek, MI · Charter 7435
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.36% | 1.23% | 1.22% | 1.33% | 1.40% | 1.07% | 1.06% | -17 bps | |
| Return on Equity | 7.91% | 7.87% | 7.04% | 7.05% | 7.09% | 7.41% | 5.75% | 6.02% | -103 bps | |
| Net Interest Margin | 3.96% | 3.91% | 3.90% | 3.88% | 4.11% | 4.06% | 3.68% | 3.26% | -62 bps | |
| Efficiency Ratio | 68.72% | 68.35% | 72.90% | 71.23% | 71.06% | 69.53% | 74.66% | 74.01% | +278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.78% | -4.01% | -4.63% | -1.67% | -1.40% | -1.29% | 1.17% | 6.12% | +779 bps | |
| Loan Growth (YoY) | 13.26% | 12.81% | 10.70% | 7.23% | 13.48% | 9.87% | 7.85% | 8.74% | +152 bps | |
| Share Growth (YoY) | -9.82% | -6.55% | -7.50% | -3.78% | -3.57% | -3.43% | -0.13% | 6.84% | +1,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.39% | 1.96% | 2.06% | 2.35% | 1.94% | 2.10% | 1.79% | -27 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 | 0.39% | 0.44% | 0.46% | 0.44% | 0.47% | 0.53% | 0.58% | 0.46% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.13% | 17.29% | 17.48% | 17.37% | 18.74% | 18.92% | 18.60% | 17.58% | +21 bps | |
| Net Worth / Assets | 17.13% | 17.29% | 17.48% | 17.37% | 18.74% | 18.92% | 18.60% | 17.58% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.67% | 43.27% | 42.73% | 43.27% | 49.04% | 49.23% | 46.15% | 44.04% | +77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |