Mount Clemens, MI · Charter 13509
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.74% | 3.73% | 3.72% | 4.34% | 3.67% | 3.22% | 0.52% | -1.08% | -542 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 | 4.16% | 4.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 89.29% | 130.68% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.44% | 32.29% | 38.81% | 10.74% | 14.15% | 2.33% | -2.05% | 8.51% | -223 bps | |
| Loan Growth (YoY) | 34.83% | 14.28% | 12.89% | -1.06% | -2.41% | 0.47% | -0.06% | 8.84% | +990 bps | |
| Share Growth (YoY) | 15.98% | 34.54% | 41.62% | 9.35% | 13.28% | 0.59% | -3.67% | 9.77% | +43 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 2.17% | 0.91% | 2.21% | 1.69% | 1.10% | 0.42% | 0.06% | -215 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 | 0.73% | 0.43% | 0.43% | 0.58% | 0.74% | 0.72% | 0.56% | 0.28% | -30 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 | 76.19% | 66.32% | 68.07% | 67.99% | 65.64% | 66.24% | 70.62% | 67.41% | -58 bps | |
| Liquid Assets / Assets | 30.66% | 37.09% | 36.70% | 37.47% | 40.26% | 38.78% | 1.84% | 36.05% | -142 bps | |