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Grand Haven Bank, Performance and Condition Ratios
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9004% | 6,030 |
| Cost of funding earning assets | 3.0480% | 1,691 |
| Net interest margin | 2.8524% | 7,250 |
| Noninterest income to average assets | 0.1014% | 7,627 |
| Noninterest expense to average assets | 2.2538% | 6,822 |
| Loan and lease loss provision to assets | 4.4497% | 134 |
| Net operating income to assets | -2.6507% | 7,747 |
| Return on assets (ROA) | -2.6507% | 7,718 |
| Pretax return on assets | -4.0132% | 7,891 |
| Return on Equity (ROE) | -35.7128% | 8,032 |
| Retained earnings to average equity (ytd only) | -37.0683% | 8,008 |
| Net charge-offs to loans | 3.2414% | 260 |
| Credit loss provision to net charge-offs | 152.8851% | 3,424 |
| Earnings coverage of net charge-offs (x) | 0.1500% | 6,158 |
| Efficiency ratio | 83.7750% | 2,082 |
| Assets per employee ($millions) | 5.7470% | 1,295 |
| Cash dividends to net income (ytd only)* | -3.7956% | 7,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4327% | 143 |
| Loan loss allowance to noncurrent loans | 35.1872% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 12.3676% | 102 |
| Noncurrent loans to loans | 12.5974% | 110 |
| Net loans and leases to total assets | 81.9441% | 1,241 |
| Net loans and leases to deposits | 90.5723% | 3,352 |
| Net loans and leases to core deposits | 118.2318% | 2,858 |
| Total domestic deposits to total assets | 90.4736% | 500 |
| Equity capital to assets | 7.4458% | 7,430 |
| Core capital (leverage) ratio | 7.2642% | 7,455 |
| Tier 1 risk-based capital ratio | 8.2624% | 8,040 |
| Total risk-based capital ratio | 9.5520% | 8,077 |
| Memoranda: | ||
| Average total assets | $126,232,200 | 4,369 |
| Average earning assets | $114,568,800 | 4,399 |
| Average equity | $9,369,200 | 5,613 |
| Average total loans | $113,347,400 | 3,602 |