Dearborn, MI · Charter 10103
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 2.92% | 3.18% | 3.54% | 3.59% | 3.02% | -4.61% | -7.11% | -1,064 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 12.42% | 13.25% | 27.68% | 21.15% | 1.42% | -0.93% | -15.89% | -4,357 bps | |
| Loan Growth (YoY) | n/a | 82.73% | 26.80% | 22.47% | 10.55% | -5.20% | 16.30% | -1.00% | -2,347 bps | |
| Share Growth (YoY) | n/a | 14.26% | 15.17% | 34.32% | 29.90% | 1.02% | 6.50% | -5.11% | -3,944 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.88% | 1.53% | 1.99% | 5.69% | 21.47% | 15.93% | 15.50% | 23.98% | +1,829 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 | 4.89% | 4.09% | 5.02% | 5.01% | 4.64% | 0.52% | 6.65% | 13.34% | +833 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.29% | 94.55% | 85.94% | 85.93% | 94.71% | 88.73% | 93.85% | 89.66% | +373 bps | |
| Liquid Assets / Assets | 10.86% | 19.69% | 28.61% | 21.64% | 9.91% | 15.77% | 16.58% | 9.90% | -1,174 bps | |