Troy, MI · Charter 1315
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 1.63% | 1.18% | 0.94% | 0.56% | 0.26% | 0.59% | -0.14% | -108 bps | |
| Return on Equity | n/a | n/a | 5.50% | 4.64% | 2.97% | 1.31% | 2.85% | -0.84% | -549 bps | |
| Net Interest Margin | 5.16% | 6.14% | 5.90% | 5.01% | 4.58% | 4.57% | 4.87% | 5.11% | +11 bps | |
| Efficiency Ratio | 84.46% | 75.92% | 81.80% | 83.18% | 86.09% | 90.89% | 86.04% | 97.04% | +1,386 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 53.42% | 55.04% | 148.97% | 61.99% | 89.56% | 73.68% | 9.40% | -0.26% | -6,225 bps | |
| Loan Growth (YoY) | 70.00% | 60.84% | 132.84% | 60.28% | 45.65% | 63.16% | 23.83% | 25.49% | -3,479 bps | |
| Share Growth (YoY) | 53.02% | 55.29% | 165.98% | 68.22% | 104.85% | 84.88% | 10.37% | -0.79% | -6,901 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.67% | 0.35% | 0.10% | 0.62% | 0.13% | 0.01% | 0.00% | -10 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 | 0.80% | 0.76% | 0.60% | 0.43% | 0.54% | 0.51% | 0.36% | 0.48% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 21.46% | 20.30% | 18.97% | 20.11% | 20.66% | 16.90% | -340 bps | |
| Net Worth / Assets | n/a | n/a | 21.46% | 20.30% | 18.97% | 20.11% | 20.66% | 16.90% | -340 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.65% | 99.78% | 89.89% | 82.73% | 75.83% | 88.06% | 100.86% | 104.65% | +2,192 bps | |
| Liquid Assets / Assets | 8.87% | 9.15% | 20.80% | 26.45% | 32.30% | 19.44% | 6.64% | 9.13% | -1,732 bps | |