Saginaw, MI · Charter 8406
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.73% | -1.01% | -0.86% | -0.76% | 0.00% | -0.26% | -8.98% | -812 bps | |
| Return on Equity | -4.73% | -10.01% | -13.98% | -12.03% | -10.88% | -0.03% | -3.53% | -959% | -94,712 bps | |
| Net Interest Margin | 4.59% | 4.54% | 4.69% | 4.66% | 4.55% | 4.52% | 4.67% | 4.79% | +13 bps | |
| Efficiency Ratio | 98.21% | 100.95% | 101.46% | 102.15% | 103.77% | 100.03% | 101.32% | 184.13% | +8,198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.46% | -9.99% | -9.89% | -6.61% | -2.26% | -3.98% | -5.43% | -7.47% | -87 bps | |
| Loan Growth (YoY) | -5.65% | 0.45% | -2.34% | -0.43% | -3.36% | -5.86% | -6.61% | -5.94% | -551 bps | |
| Share Growth (YoY) | -11.77% | -9.61% | -8.35% | -4.13% | -0.39% | -4.38% | -7.00% | -9.45% | -533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.31% | 2.67% | 2.07% | 1.57% | 1.42% | 2.06% | 1.69% | 1.08% | -49 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 | 0.70% | 0.95% | 1.02% | 1.05% | 0.84% | 0.75% | 0.34% | 3.76% | +271 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.54% | 7.29% | 7.23% | 7.15% | 6.96% | 7.09% | 7.31% | 0.94% | -622 bps | |
| Net Worth / Assets | 7.54% | 7.29% | 7.23% | 7.15% | 6.96% | 7.09% | 7.31% | 0.94% | -622 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.14% | 68.19% | 71.10% | 71.02% | 67.08% | 67.14% | 71.40% | 73.77% | +275 bps | |
| Liquid Assets / Assets | 16.75% | 17.11% | 16.03% | 17.12% | 18.53% | 17.03% | 14.73% | 17.97% | +85 bps | |