St. Johns, MI · Cert 10554
FDIC
Q4 1994
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 1994 | Q2 1994 | Q3 1994 | Q4 1994 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 1.81% | 1.91% | 1.91% | 1.92% | n/a | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||
| Loans / Deposits | 84.49% | 89.94% | 88.16% | 92.29% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |