Wyoming, MI · Charter 9333
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.33% | 3.50% | 3.94% | 4.69% | 0.97% | -1.72% | -2.28% | -4.91% | -960 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -22.37% | -65.26% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.27% | 5.14% | 5.29% | 5.26% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 82.39% | 81.71% | 88.84% | 98.74% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.68% | 39.72% | 67.30% | 54.65% | 41.73% | 37.86% | 15.76% | 7.44% | -4,721 bps | |
| Loan Growth (YoY) | 46.53% | 76.68% | 65.24% | 59.17% | 33.07% | 13.37% | 4.12% | -6.44% | -6,561 bps | |
| Share Growth (YoY) | 33.04% | 45.56% | 81.38% | 62.72% | 46.34% | 43.51% | 19.83% | 13.17% | -4,955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 4.21% | 3.03% | 4.66% | 5.55% | 17.69% | 11.65% | 10.60% | +594 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 | 1.49% | 1.43% | 1.37% | 1.41% | 1.07% | 1.28% | 2.95% | 4.23% | +283 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.20% | 7.52% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.20% | 7.52% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.80% | 102.56% | 105.40% | 95.85% | 87.12% | 81.02% | 91.58% | 79.25% | -1,660 bps | |
| Liquid Assets / Assets | 15.87% | 5.47% | 7.87% | 15.86% | 0.00% | 0.00% | 17.53% | 27.67% | +1,181 bps | |